Citi® Double Cash Card Reviews

Citi® Double Cash Card Reviews
Approval Odds

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3.7 out of 5 stars
95 Reviews

From Cardholders in the last year

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Application Process

4 out of 5 stars

Customer Service

3.5 out of 5 stars

3.5 5

Card Details

  • Balance Transfer Intro APR 0% for 18 Months
  • Balance Transfer Regular APR 15.49% – 25.49% Variable
  • Annual Fee $0
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 15.49% – 25.49% Variable

Most Helpful Positive Review

May 27, 2019
Free cash, no fees, just pay it off!
RipVanW75 Cardholder

It's simple.  I pay this card off every month to a zero balance. I get 2% cash back on everything I buy.  I use this now instead of my debit card entirely, and my annual cash back is well over $500.  I also used it when they offered a zero percent promo on a balance transfer, paid that off within the 15 month promo period, so again, zero cost to me. 

If you complain about their high interest rate on balances, you're doing it wrong, but I understand not everyone can pay the balance off every mo. In that case, get a card with a very low interest rate.

My credit limit went from $1500 to $3000 to $7500 to $15500 to $20000.  I've had the card for 4 yrs.  Website is super easy to navigate, online payments are processed instantly, and I've had no issue with their call center resolving any problems.  Overall, I am very satisfied.

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Most Helpful Negative Review

Oct 06, 2019
Has ups and downs
paturner Cardholder

I've had this card for 3+ years. Average $4000 a month. I love the 2% back on my charges. Dislikes: they cancelled the rental car protection and warranty protection and who knows what else? If you simply want cash back then this is your card. If you want extra stuff like a low interest rate, rental car protection, then go to another card. 

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These reviews were written by current and former cardholders in the last year.

Dec 06, 2019
Super simple super easy cashback card.
Theateteus Cardholder

It's no frills and doesn't have the best cashback in any one category but it's a staple card for when you don't have a card at hand with a better return.

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Dec 04, 2019
Angbaby1 Cardholder

I have a fico score of 727 and was only approved for $500 CL . What are the best credit cards for higher credit limits with my score?

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Nov 27, 2019
xyz411 Cardholder

Excellent card, I don't know why some are fussing.  You buy something (1% cash back) then in the next day or so, log on and pay that item off (1% cash back for paying it off) and there's your 2%.  I will not use this card travelliing internationally as there is a 3% foreign transaction fee, however there are other options for that.   If you can pay your balances in full and know how to manage your finances, then this card is well worth it.  

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Nov 26, 2019
deceived about a lot of important info
Grufdee Cardholder


I didn't no anything about the lack of car rental insurance.  With CITIBANK!!! Use CHASE for ALL IMPORTANT THINGS!  They are Very reliable as always!

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Nov 25, 2019
Charged interest and not sure why.

I was charged interest on my bill when I paid MORE than the new charges that month. I also made an additional payment and thought it would go to the balance I transfered with a 0% APR for 6 months but it went to the current charges instead. The customer service rep explained why but it didn't make any sense. I never had that problem with any other credit cards. Plus there is NO option to apply the payment to your transferred balance so your payment always goes to the current balance, even if you don't want it to.

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Nov 26, 2019

Yea same thing happened to me. First time ever being charged intrest and I have like 7 other cards I use

Nov 23, 2019
Instant Approval

I was approved for this card with TU and EQ both 746. FICO 707. Starting CL $6,600. I have good credit, on time payments, around 10% util, but low average account ages. Discover denied me another card for the low account ages, so I went to CITI and got approved instantly. 

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Nov 22, 2019
Yes! Better tha Capital One
MedinaRut Cardholder

I applied with a 6++ credit scores on transunion and equafax.
Instantly approved for 1,500 with 0% APR for 12 months.
I mainly needed to transfer a balance and to my suprise i was approved for a 0% APR on balance transfers plus NO TRANSFER FEE!!!
Yes! That was just what i was looking for. Days letter i got another offer thru mail. Applied and I got Approved for a better promotion 0% APR for 18 Months!!!!
Again i needed it for a balance tranfers and eventhou this time it came with a 3% charge fee for transfers i was okay with it since they aready have given me great promotions!
Capital one gave me a 6 month 0% APR when i first got their card and nothing compares to whatt CITI has done for me !!!
By far the BEST Credut Card to apply for!!!

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Nov 07, 2019
Just approved
MissSapphire Cardholder

I had poor odds on CK but was approved. 670 FICO TU at time of application. $1500 CL. Will be able to update about customer service, CLI, etc after have had the card a while. 

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Nov 15, 2019

For people who are new to all of this some abbreviations are not understood. For a review to be helpful you have to understand it.

Nov 18, 2019

What is your yearly income when receiving a CL of $1,500?

Nov 04, 2019
Great Cash back, Poor Customer Service
Jw12ace1 Cardholder

I never carry a balance and always pay it off.  Cash back is awesome.  Had the number compromised so ended up with a new card. Every time I've had an issue it takes 2-3 times to resolve the same issue. The customer service is a waste of time on the weekends. 

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Oct 23, 2019
Great all around card!
TexMex9000 Cardholder

I was on the fence about this card because of the bad reviews on the customer service end but decided to grab it anyways. When I first got it they gave me something low. I believe a 5k line. I applied for higher limit through their customer service the following week and got approved for an extra 10k on the spot. I've had no issues with customer service or the card itself. Great all around card!

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Nov 04, 2019

What was you score when you applied?

Nov 06, 2019

so when they increased your limit - did they rechecked your profile second time by adding a hard inquiry?

Nov 12, 2019

Which bureau did they check?

Oct 21, 2019
rae1975 Cardholder

Don't bother applying for this card to do a balance transfer especially if it's a large transfer! It's not worth the hit as an inquiry! 

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Oct 16, 2019
I love this card
KANNAN1017 Cardholder

I love this card. I got it like 3 years back and only using this card for any transaction. Getting 2% cashback. I got the credit limit increased without Credit pull couple of times (because I have good credit score and dont miss any payments). I love citi bank on the security. They blocked one of Frauderant transaction on my card. I got call from citi immediately and they sent me new card.

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Oct 16, 2019
Great perks, trash customer service.
AbigailKay Cardholder

My first purchase was 11 dollars for some medicine. My second purchase for gas, locally, was rejected for fraud reasons.

Call in, give all my info, and because some arbitrary text messaging thing "can't send" to my sprint phone, the card is further locked til I get some piece of mail from them.

2 years with Discover and Capital One, never had a single issue.

Absolute trash.

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Oct 12, 2019
Love it!
Ginjor Cardholder

Love the double cash back and with the Citibank price rewind program, I have saved a lot of money. I use this card for bigger purchases, send in receipts and before I realize it, I'm getting money back. 

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1 Reply
Dec 01, 2019

What is the price rewind program?

Oct 10, 2019
Ballonga707 Cardholder

For the love of all things holy, do not get any citi card. They have the worst customer service I have ever experienced ( & I have 15 credit cards). Their website/App has been down for over a month & they just have been saying to try again in 24-48hours for weeks. DON'T EVER GET CITI.

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1 Reply
Nov 03, 2019

Update your phone app browser!! Never experienced such thing as a 5 year citi cc customer

Oct 08, 2019
Moron credit under writers
Gvme Cardholder

I applied solely for a balance transfer card. I didnt mind the 3% fee, but needed a credit limit of at least $7k, they first approved me for $1,700. You kidding? My other best buy card is $ i reapplied for a 7k credit limit increase. They denied me completely. I cancelled the card immediately. I have perfect payment history, established available credit, 2 cars, which i pay down every month, never miss a payment, and now i have 2 inquires on my credit, gonna try dispute it, dont even try, this card is GARBAGE...and the underwriters are complete morons!!! Ill take my business elsewhere.

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Oct 10, 2019

Enter Your Reply

Oct 06, 2019
Has ups and downs
paturner Cardholder

I've had this card for 3+ years. Average $4000 a month. I love the 2% back on my charges. Dislikes: they cancelled the rental car protection and warranty protection and who knows what else? If you simply want cash back then this is your card. If you want extra stuff like a low interest rate, rental car protection, then go to another card. 

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Oct 05, 2019
This is awesome card Love it.
Suufi Cardholder

I had this card for 3 months now CK still says poor 

Approval odd but I got letter in the Mail saying I was 

pre Approved so I applied and got approved for $2500

and I love this card I use it for everything.

before this card I had capital one credit cards and refused 

to increase my credit limit so I barely use those nowadays.

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Oct 06, 2019

What was your credit scores? Did you have any baddies? Which credit agency did they pull from?

Oct 11, 2019

Yes, credit scores and which credit agency they pulled from would be helpful.

Sep 28, 2019
Pcarfor Cardholder

Absolutely awful customer service. Very greedy. They made a mistake and started charging me extra. Plus they made a mistake and said I was late on my payment and that screw up my credit score. They were unwilling to help fix their mistake. NEVER AGAIN. STAY AWAY if you care for your money.

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Sep 25, 2019
vannwallyworld Cardholder

Citi cards are very good,thay work with people that do not have good credit to improve it and it works,.

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Sep 21, 2019
This card is great!
Tphaeng Cardholder

They always have 0% balance transfer deals going on. I've had the cars for a little over a year and have had 2 credit limit increases. I use this card for balance transfers more than anything since theres usually a 0% option. Great card overall.

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1 Reply
Oct 06, 2019

How long did it take to recieve your 1st credit increase and did you request it or was it offered?

Sep 19, 2019
Great Rewards card for everything else
BigAl7wy Cardholder

The 2% cash back makes it great for purchases that don't fall under the 3% and 5% categories of my other cards. They also make it easy to report fraudulent charges. 

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Sep 19, 2019
TiminOrlando Cardholder

From Citibank: Effective September 22, 2019, Worldwide Car Rental Insurance, Trip Cancellation & Interruption Protection, Worldwide Travel Accident Insurance, Citi® Price Rewind, 90 Day Return Protection, Damage & Theft Purchase Protection, and Extended Warranty will be discontinued and will no longer be provided for purchases made on or after that date. Coverage for purchases made before that date will continue to be available, and you may continue to file for benefits in accordance with the current benefit terms.

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Sep 20, 2019

That's been out a while. Saw it on my June or July statement.

Oct 17, 2019

US car rental insurance is still included for free with every car rental. Free coverage for up to $50K in damages.

Oct 17, 2019

Oops - nope, they cancelled it. No rental insurance anymore. :(

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Sample Size: 585
Data Created: February 02, 2015

Note: Sample data consists of Credit Karma members who hold this card.
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Citi® Double Cash Card Reviews

Citi® Double Cash Card