Citi® Double Cash Card Reviews

Citi® Double Cash Card Reviews
3.5 out of 5 stars
97 Reviews

From Cardholders in the last year


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

Dec 24, 2019
ClearwaterDreams Cardholder

I applied for this card and was approved instantly for a $1500 limit which was shocking. I’ve now had this card for over 5 years and have worked my way up to a $3500 limit. I have two other cards; each started out much higher than where I am now and both have over $20k limit. I asked for an increase once and was automatically declined because of a missed payment. I’ve never missed a payment or made a late payment. I applied again and was automatically declined because my score was too low. It was 747 at the time and my limit was $1800-I already had the two other cards over $10k at that point. So I put my car insurance and gym membership on the card this year and let it auto pay. It was going well and they bumped me up to $3500. Yay right? Well the next month, I get an email that I never paid my bill. But it’s on autopay so that’s weird. Sure enough, autopay was still on but they never withdrew the funds. So I got hit with a $25 late fee and a ding in my credit. I paid the card off and locked it. I will let it sit until they cancel it but I do not trust Citi and have no idea how the card rates so highly when they have consistently screwed me over the length of time I’ve had the card. I’d suggest Chase and Discover—I love both of my cards with them and have never had any issues.

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

Dec 16, 2019
Use it every day. Pay off every month.
Gringochuck Cardholder

The rewards on this card are excellent. I've earned over $3,000 within the last three years. They're quick to payout too. My credit limit is $30,000; I started at $9,000.

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Dec 17, 2019

I start at 1600 I hope I get somewhere high credit limted with them like you this is my go to card for everything

Dec 17, 2019

he started with 9000 you started with 1600 its safe to say thats not going to happen lol he clearly has a way bigger income than you

Jan 12, 2020

quit gloating fool! who cares!

Dec 13, 2019
Very Happy

I have about 1 year and 5 months that I started building my credit with a 684 Transunion and 688 Experian I receive a mail that I was pre-qualified for this card but in CK I have fair approval odds but I decided to apply and I got approved by 2000 credit limit this is m first card having more than 1000 dollars I'm very happy and very exited to use it to see how the cash back works! Thank you Citi Bank 

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Dec 08, 2019
Easy application, great starting limit!
victoradewunmi Cardholder

Today I applied to the Citi Double CB card after having very good approval odds accoring to Credit Karma. TU - 708 and Equifax - 775. March 14th of this year my score was a 601! After focused effort on my credit and two new Capital One cards, I can finally say I am taking my credit in the right direction. Capital One started me on the QS 1 with a 1500 limit and after 5 months increased it by 3000 to 4500. Still focused on buidling my credit activity, in October I applied to Capital One's Journey Student rewards card (even though I am years removed from being a student) and was approved for a 3000 limit. So far things are going well. I called Capital One to see if I qualified for an upgrade. I have a goal of minimizing my annual fees. The QS1 had a $39 annual fee which requires me to spend on it just to break even! Good news, they upgraded me to the Venture One card and let me transfer my total cash back rewards to the Journey card so that I would not lose my $113+ in cash. Now I have a new every day spend card in Citi! I would caution though that you apply to the Citi card on their actual website because the CK app timed out and I didn't get to create user ID or get my card number info. Overall I am looking forward to this card and I will provide any updates as I continue to use it. Oh and I searched online for typical starting limits for Citi Double Cash cards, I wasn't looking forward to alot but they surprisingly approved me for a limit of 6900!

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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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Dec 08, 2019

How much you're approved for isnt based solely on your score.. if you dont make enough money you wont get approved for more

Dec 24, 2019

Apply for a capital one card because that’s a very low CL and your credit is good.

Dec 30, 2019

Chase freedom unlimited starts pretty high limits we ith God score like yours

Dec 30, 2019

With good score's , stupid autocorrect LoL

Jan 12, 2020

Apply chase sapphire starting limit is 5000

Jan 23, 2020

Apply for quick silver,my credit score is only 644,and they approved me for 5,500 within seconds😊

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

Dec 16, 2019

Payments always go to the highest interest rate. That's pretty common practice.

Dec 24, 2019

I forgot to add your point to my review. I pay my card off monthly yet I am charged interest. Utter nonsense.

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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Citi® Double Cash Card Reviews

Citi® Double Cash Card