Citi® Double Cash Card: The Simple, Powerful Way to Earn on Everything You Buy

Are you tired of complicated reward programs, hidden fees, or credit cards that only give you benefits on limited purchases?

Then meet the Citi® Double Cash Card — one of the most practical and rewarding cashback cards in the United States.

With 2% total cash back on everything you buy and no annual fee, this card was designed for people who want to earn real rewards easily — and stay in control of their finances.

What benefits will you receive?

Unlimited 2% cash back on all purchases

The Citi® Double Cash Card rewards you with 1% cash back when you make a purchase and another 1% when you pay for it.

That’s a total of 2% cash back on every eligible purchase — without limits, without categories, and without activation required.

It’s simple: buy, pay, and earn. No need to track special categories or spend time managing rotating bonuses.

No annual fee

This card has no annual fee.
You don’t have to pay anything just to keep it active, which means every dollar you earn stays in your pocket.
Many reward cards charge yearly maintenance fees that eat into your cashback — but not the Citi® Double Cash Card.

It’s designed to maximize your savings, not reduce them.

Introductory 0% APR on balance transfers

Need to pay off another card with high interest?
The Citi® Double Cash Card offers an introductory 0% APR for up to 18 months on balance transfers made within the first four months of opening your account.

This allows you to transfer your existing debt and enjoy an interest-free period to pay it down at your own pace.
After the promotional period, a variable APR applies depending on your credit profile.

Note: balance transfers do not earn cashback, but they can help you save significantly on interest charges.

Flexible redemption options

Your rewards are earned as ThankYou® Points, which you can redeem in multiple ways:

Statement credits
Direct deposit to your bank account
Check by mail
Gift cards
Travel bookings and experiences through the Citi Travel® portal

You can choose how you want to use your cashback — whether to reduce your balance, treat yourself, or plan your next trip.

Simplicity and transparency

Unlike many cards that complicate reward programs, the Citi® Double Cash Card keeps things straightforward.
There are no rotating categories, no enrollment forms, and no limits to how much you can earn.

It’s the perfect everyday card for anyone who wants guaranteed rewards without having to think twice about where or how they’re spending.

Security and digital convenience

The Citi® Double Cash Card includes modern features for your safety and convenience, such as:

Contactless tap-to-pay technology
Integration with Apple Pay, Google Pay, and Samsung Pay
Real-time purchase alerts
Zero Liability Protection against unauthorized charges
Fraud monitoring and digital card lock features

With these tools, your card is secure, easy to use, and fully compatible with your digital lifestyle.

Who should get the Citi® Double Cash Card?

The Citi® Double Cash Card is ideal for:

People who want a simple and efficient cashback program that rewards all purchases equally.
Those who pay their balance in full or on time every month and want to maximize their earnings.
Cardholders looking to consolidate debt with a 0% intro APR on balance transfers.
Anyone who wants a no-annual-fee card that delivers consistent value every day.

If you want a stress-free way to earn money back on everything you buy, this is one of the best cards available.

When it might not be the best option

While the Citi® Double Cash Card is incredibly versatile, there are a few cases where another card might suit you better:

If you frequently travel abroad, this card charges a foreign transaction fee on international purchases.
If you spend heavily on specific categories like dining or travel, a card that offers higher bonuses (like 3–5% in those areas) might bring slightly more value.
If you often carry large balances and don’t pay in full each month, interest charges could outweigh the cashback benefits.

In short: the Citi® Double Cash Card shines when you pay on time, spend regularly, and want a card that simply works — without fine print.

Fees and key terms

Before applying, it’s important to understand the basic fees and rates that may apply:

Annual fee: $0
Introductory APR: 0% for up to 18 months on balance transfers made within the first four months of account opening
Balance transfer fee: A small percentage of the amount transferred (minimum charge applies)
Regular APR: Variable, depending on your creditworthiness
Foreign transaction fee: 3% of each purchase made outside the U.S.
Late or returned payment fees: Standard rates apply

Overall, the Citi® Double Cash Card remains one of the most affordable options for earning consistent cashback while keeping costs minimal.

Credit requirements

To qualify for the Citi® Double Cash Card, you generally need a good to excellent credit score — typically 670 or higher.

Citi evaluates several factors during the approval process, including:

Payment history
Current credit utilization
Length of credit history
Existing debts
Declared income

If your credit profile is strong, you’re more likely to be approved and receive a lower APR.

Tip: if you already have a positive history with Citi or another major bank, your chances may increase.

Real-world cashback example

Let’s say you spend $30,000 per year on everyday purchases like groceries, gas, and online shopping.
With 2% cashback, you’ll earn $600 per year — with no annual fee and no restrictions.

If you spend more, you earn more. It’s that simple.

Now imagine you’re using a card with rotating categories that only give 5% in certain areas for a few months and 1% on everything else.

You might earn more in small bursts, but overall, the consistency of the Citi® Double Cash Card makes it a strong long-term choice.

How to apply

You can apply for the Citi® Double Cash Card online in just a few minutes.
Requirements include:

Being at least 18 years old
Having a valid Social Security Number (SSN)
Providing a U.S. residential address
Having a good credit score
Declaring income consistent with your credit request

Once your application is submitted, you’ll typically receive a decision almost instantly.
If more information is needed, Citi may contact you for additional verification.

Once approved, your card will be sent by mail, and you can start earning cashback immediately.

How to make the most of your card

To maximize your Citi® Double Cash Card benefits:

Pay on time, always — this ensures you earn the second 1% cash back when you pay.
Pay in full when possible — to avoid interest charges and keep your rewards pure profit.
Use it for all daily purchases — groceries, bills, gas, subscriptions — every dollar counts.
Combine with another rewards card if you spend heavily in one specific category.
Redeem regularly to enjoy your cashback instead of letting it accumulate unused.

With these habits, you can turn your everyday spending into consistent, effortless rewards.

Pros and cons summary

Pros

2% cashback on every purchase
No annual fee
Easy-to-understand rewards program
Flexible redemption options
Introductory 0% APR on balance transfers
Strong digital and fraud protection

Cons

3% foreign transaction fee
No bonus categories for specific spending types
Must pay on time to earn full rewards
Regular APR applies after the promotional period

Conclusion

The Citi® Double Cash Card stands out as one of the best flat-rate cashback cards in the U.S. — combining simplicity, transparency, and solid long-term value.

With 2% total cashback, no annual fee, and a 0% introductory APR on balance transfers, it’s the perfect companion for anyone who wants to earn money back on every purchase without managing complex reward systems.

If your goal is smart spending, financial organization, and real rewards that add up over time, this is the card for you.

Citi® Double Cash Card — simple, rewarding, and built for everyday life.

Victor Rojas 12 de novembro de 2025

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