The Citi Double Cash® Card stands out as a top-tier flat-rate cash back credit card, offering a straightforward rewards structure that appeals to a wide range of consumers. With no annual fee and a generous 2% cash back on all purchases—1% when you buy and an additional 1% as you pay—it’s a compelling choice for those seeking simplicity and value in their credit card rewards.

💳 Key Features of the Citi Double Cash® Card

1. Unlimited 2% Cash Back

• 1% cash back when you make a purchase.

• 1% additional cash back as you pay for those purchases.
  
  

This dual-earning structure encourages responsible credit usage by rewarding both spending and timely payments. There are no caps or category restrictions, making it ideal for everyday use across various spending categories. 

2. $200 Welcome Bonus

New cardholders can earn a $200 cash back bonus after spending $1,500 on purchases within the first 6 months of account opening. This bonus is awarded in the form of 20,000 ThankYou® Points, which can be redeemed for $200 cash back. 

3. 0% Intro APR on Balance Transfers

• 0% introductory APR for 18 months on balance transfers.

• After the intro period, a variable APR of 18.24% – 28.24% applies.

• Balance transfers must be completed within 4 months of account opening to qualify. |
  
  

4. No Annual Fee

Enjoy all the benefits of the Citi Double Cash® Card without worrying about an annual fee, maximizing your cash back earnings. 1

5. Flexible Redemption Options

Cash back is earned in the form of ThankYou® Points, which can be redeemed for:

• Statement credits.

• Direct deposits.

• Checks.

• Gift cards.

• Travel bookings.

• Shopping with partners like Amazon.com. 

🧾 Additional Benefits

• Citi Entertainment® Access: Exclusive access to tickets for concerts, sporting events, and more.

• Security Features: Includes $0 liability on unauthorized charges, fraud alerts, and Citi® Quick Lock to instantly lock your card if misplaced.

• Contactless Payments: Tap-to-pay technology for quick and secure transactions.

• Digital Wallet Compatibility: Supports Apple Pay®, Google Pay™, and Samsung Pay®.

⚖️ Pros and Cons

Pros:

• High flat-rate cash back on all purchases.

• No annual fee.

• Lengthy 0% intro APR on balance transfers.

• Flexible redemption options.

Cons:

• No bonus categories for higher cash back rates.

• No introductory APR on purchases.

• Foreign transaction fee applies, making it less ideal for international travel.

👥 Ideal Users

The Citi Double Cash® Card is well-suited for:

• Everyday Spenders: Those who prefer a simple, flat-rate cash back without tracking categories.

• Balance Transfer Seekers: Individuals looking to consolidate debt with a generous 0% intro APR period.

• Budget-Conscious Consumers: Users who want to avoid annual fees while earning consistent rewards.

📌 Conclusion

The Citi Double Cash® Card offers a compelling combination of simplicity, value, and flexibility. Its straightforward 2% cash back on all purchases, coupled with no annual fee and a generous balance transfer offer, makes it an excellent choice for a wide range of consumers. While it may lack bonus categories and an intro APR on purchases, its consistent rewards structure and additional benefits provide substantial value.

❓ FAQs

Q: How do I earn cash back with the Citi Double Cash® Card?

A: You earn 1% cash back when you make a purchase and an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou® Points.

Q: Is there a limit to the cash back I can earn?

A: No, there are no caps or category restrictions on the amount of cash back you can earn.

Q: Does the Citi Double Cash® Card have an annual fee?

A: No, the card has no annual fee.

Q: Can I redeem my ThankYou® Points for cash?

A: Yes, you can redeem points for statement credits, direct deposits, checks, gift cards, travel bookings, and shopping with partners like Amazon.com. 

Q: Is there an introductory APR offer?

A: Yes, there is a 0% introductory APR for 18 months on balance transfers. After that, a variable APR of 18.24% – 28.24% applies.

For more information or to apply, visit the official Citi Double Cash® Card page.