Earn a $200 cash back after spending $1,500 on purchases in the first 6 months of account opening and unlimited 1% cash back on all of your purchases when you buy and an additional 1% cash back as you pay for those purchases, whether you pay in full or over time with the Citi® Double Cash Card offer.
The Citi Double Cash has no restrictive categories and no limits on the amount of cash back that you earn. Cards that offer unlimited cash back usually don’t come around often so I strongly suggest to apply ASAP.
This no annual fee card, lets you get 0% Intro APR on Balance Transfers for 18 months. After that, a (Variable) APR will apply based on your creditworthiness. Continue reading below to learn more about what this card has to offer!
Citi® Double Cash Card Summary
Bonus Available | Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening. |
Ongoing Rewards/Benefits | Earn 2% cashback on purchases:
1% cashback for every dollar sent 1% cashback for every dollar paid off |
Foreign Transaction Fees | 3% fee for foreign transactions |
Annual Fee | No annual fee |
2% Cash Back & More with Citi Double Cash
With this card, you earn 1% cash back on all your purchases then once you pay off those purchases, you’ll receive another 1% cashback.
However, if you carry a balance, the extra 1% won’t come right away, so this is a good incentive for responsible credit card usage.
Plus there’s no cap on the amount of cash back you receive at the maximum 2% rate.
So make sure you pay at least the minimum due to earn the additional 1% cashback if you’re not able to pay off the full balance each month.
What Doesn’t Earn Cash Back?
You won’t be able to earn cashback on balance transfers, cash advances, account fees, interests or returned items.
As you make qualifying purchases, the Purchase Tracker will keep a tab on what will earn you cashback.
Redemption Options
You can redeem your cash back by getting checks mailed to you, statement credits, or by gift cards. Don’t forget that this is a cash back card, so there is no rewards conversion necessary. The 1%/2% that you earn is the value you can redeem it for.
Citi’s Price Rewind
You can register the purchases that you’ve made using the Citi Double Cash Card. Citibank searches for the items online at different retailers and will refund the difference if they find it a lower price within 60 days of your purchase.
It’s good to know that you can be refunded up to $300 per item, up to $1,200 maximum in refunds every year.
Why you should apply for this card?
- If you’re not one to ant to keep up with rotating categories and rewards limits on categories, this is a good card to consider.
- Maximize rewards by using this card as a supplement to another card that earns higher cash back in spending categories.
Why you shouldn’t apply for this card?
- If you’re looking for a quick short-term value with a sign-up bonus this card doesn’t have any.
- For those wanting the option to redeem for flights, hotels, and other travel.
- People who often travel abroad since the Citi Double Cash will incur a 3% foreign transaction fee, so you’ll definitely need another option.
- People who tend to spend a lot on certain categories that other cards give a higher rate towards, such as Travel, Dining, etc.
Bottom Line
For those missing out the best all around cash back card, sign up now for the Citi® Double Cash Card with no annual fee.
This will be your go to card whenever you are not sure about special categories or for simplicity with keeping just one card in your wallet!
For more options, see our list of the latest credit card bonuses and banking offers from Citi.