Citi Double Cash – How to Apply
Between rotating categories, caps on rewards, and limited-time bonuses, it’s easy to get overwhelmed.
The Citi Double Cash Credit Card is a breath of fresh air for people who just want a reliable card that pays them back every time they use it—and again when they pay it off.
With the Citi Double Cash, you don’t need a PhD in reward optimization. You get a consistent 2% cash back—1% when you spend, and 1% when you repay your balance. That means your cashback grows as you spend responsibly, creating a cycle of benefit and discipline.
It’s a solid option for anyone looking for a dependable, flat-rate cashback card, especially if you prefer consistency over rotating rewards calendars or spending limits.
Plus, it’s backed by Citi—meaning you’ll have access to security features, credit tracking tools, and one of the largest card-acceptance networks in the world.
For consumers who want clarity, predictability, and value, this card gets straight to the point.
Citi Double Cash
No annual fee No signup bonusHow does the Citi Double Cash work?
This card doesn’t believe in overcomplicating things. You’ll earn 1% cash back on every purchase and an additional 1% when you pay off that purchase. It applies across all spending categories, without caps or activation.
Your cashback accumulates as a statement credit or can be converted to Citi ThankYou® Points if you also hold a qualifying Citi card. That adds another layer of utility for travelers or those who prefer non-cash rewards like flights or gift cards.
The rewards don’t expire as long as your account remains open and in good standing, and there’s no minimum spending required to earn them. Simply use the card, pay it off, and watch your benefits grow.
Even better, there’s no annual fee—so all your rewards are net gain.
Main benefits for the Citi Double Cash
The 2% total cash back is the clear highlight. Unlike many cards that focus on grocery stores, gas, or dining, this one offers the same rate across all categories. That means you’re not penalized for making purchases outside of bonus groups.
Citi’s added flexibility through ThankYou® Rewards makes it more powerful than before. You can now turn your cashback into travel points, merchandise, or transfer to partner airlines.
The absence of an annual fee means you won’t be playing catch-up just to break even. And you still get the usual Citi benefits, like zero liability for unauthorized purchases, fraud monitoring, and free access to your FICO® score.
The mobile app makes it easy to track rewards, set payment reminders, and stay on top of your credit health.
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Cons for the Citi Double Cash
For all its strength in simplicity, the Citi Double Cash isn’t perfect. There’s no welcome bonus, which is a letdown compared to many competitors offering hundreds in early rewards just for signing up.
It also charges a foreign transaction fee, which makes it a less-than-ideal card for international travelers. If you’re frequently abroad or buying in foreign currencies, this might not be the right fit.
Additionally, if you like optimizing points for dining, travel, or groceries with high multipliers, this card won’t give you that edge. It’s a generalist—not a specialist.
Still, for consistent domestic use, it delivers strong everyday value.
APR and Fees
The Citi Double Cash comes with no annual fee, which makes it appealing right off the bat. The APR is variable, based on your creditworthiness, and typically ranges around 19.24%–29.24%.
There’s no introductory APR on purchases, but balance transfers may come with an intro offer. It’s important to note that balance transfers incur a fee—usually around 3%–5%.
Foreign transaction fees apply (3%), so again, this is better as a domestic use card.
Late payments may result in penalty APRs, so paying on time isn’t just smart—it’s essential.
How to Apply for the Citi Double Cash
To apply, just follow these steps:
- Go to Citi’s official website and locate the Double Cash card page.
- Click “Apply Now” and complete the online form with your personal details.
- Review the terms and disclosures, especially around APR and fees.
- Submit your application and wait for instant approval or follow-up communication.
- Receive your card by mail in about 5–10 business days if approved.
Once activated, you’re ready to earn on every purchase—and again on every payment.
