Citi Double Cash Card
Citi Double Cash Card
CREDIT CARD
Mastercard

Citi Double Cash Credit Card

4 of 5
💵
Annual fee
Free
🌎
Foreign transaction fees
Yes
🔄
Balance Transfer Fee
Yes
Bonus Points
Yes
SEE HOW TO APPLY

The Citi Double Cash™ Card is a highly regarded credit card that offers an extremely advantageous cashback structure.

It is an exceptional choice for individuals looking to maximize their cashback earnings on everyday purchases without worrying about rotating categories or complex redemption rules.

Its simplicity and high return make it one of the most attractive options in the current financial market.

About the Financial Institution

Citibank, a division of the renowned Citigroup, is one of the largest and most respected financial institutions in the world, with a history dating back to 1812.

Present in more than 100 countries, it offers a wide range of financial products and services, including credit cards, bank accounts, investments, and loans.

The bank is widely recognized for its commitment to innovation and excellence in customer service, providing financial solutions that meet diverse consumer needs.

Who is This Card For?

The Citi Double Cash™ Card is ideal for various consumer profiles, especially those who value simplicity and high financial returns. This card is particularly suitable for:

  • Frequent Shoppers: Those who make many purchases and want a simple and effective rewards system.
  • Financially Organized Individuals: Consumers who always pay their bills on time and thus maximize the benefits of cashback.
  • People Seeking Long-Term Savings: Those looking for a no-annual-fee card that provides continuous benefits.
  • High-Spending Users: Those who frequently make purchases and want unlimited cashback on all expenses.
  • Consumers Looking for Flexibility: Ideal for those who prefer straightforward cashback rewards without the need to track specific spending categories.

Main Advantages of the Card

The Citi Double Cash™ Card stands out for a series of highly advantageous benefits for its holders, including:

  • Attractive Cashback Program: Earn up to 2% cashback on all purchases – 1% at the time of purchase and an additional 1% upon paying the bill.
  • No Annual Fee: Enjoy all the card’s advantages without annual costs.
  • Special Balance Transfer Offer: Benefit from an introductory 0% APR on balance transfers for 18 months (after this period, a variable APR applies).
  • Flexible Redemption: Use the accumulated cashback for statement credits, direct deposits, or checks.
  • No Category Restrictions: Unlike many other rewards cards, there are no specific spending categories to track.

Additional Benefits

In addition to the excellent cashback program, the Citi Double Cash™ Card offers additional advantages that enhance its value even further:

Security and Protection

  • 24/7 Fraud Monitoring: Citibank continuously monitors your transactions to detect suspicious activity.
  • Zero Liability Protection: No responsibility for unauthorized purchases.
  • Identity Theft Assistance: Solutions and support in case of personal data breaches.
  • Extended Warranty: Eligible purchases made with the card may receive an extended warranty beyond the manufacturer’s standard coverage.

Convenience and Technology

  • Contactless Payments: Make quick and secure purchases with contactless payment technology.
  • Global Acceptance: Use your card at millions of establishments worldwide that accept the Mastercard brand.
  • Integration with Digital Wallets: Compatible with Apple Pay, Google Pay, and Samsung Pay.
  • Flexible Payment Options: Access to Citi Flex Pay, which allows eligible purchases to be converted into fixed monthly payments with competitive interest rates.

The Citi Double Cash™ Card is an excellent choice for those seeking practicality, continuous rewards, and a high level of security, making it an extremely competitive option in the credit card market.

Fees and charges

REVOLVING CREDIT INTEREST RATE

Late Payment: Up to $41;
Returned Payment: Up to $41;

OTHER FEES

● Introductory APR: 18.24% to 28.24%;
● Balance Transfer Fee: Within 4 months, $5 or 3% of the value of each transfer. After that, $5 or 5% of the value of each transfer;
● Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.

Expert review

The Citi Double Cash Card is an excellent choice for those who want a straightforward cashback card.

It offers 2% cashback on every purchase—1% when you buy and 1% when you pay.

This simple and rewarding structure makes it easy to maximize cashback without worrying about categories or restrictions.

With no annual fee, it’s accessible for many users.

However, its APR can be high for some, and it lacks sign-up bonuses or premium perks like travel protections.

SEE HOW TO APPLY

You will remain on this site

+Positive points

  • 2% Cashback on All Purchases: Earn 1% on purchases and 1% when you pay your bill.
  • No Categories or Restrictions: Earn cashback on every purchase without tracking specific categories.
  • No Annual Fee: Enjoy cashback benefits without paying an annual fee.
  • Simple Rewards Structure: The straightforward cashback system is easy to understand and use.
  • Widely Accepted: Use the card anywhere Mastercard is accepted, worldwide.

- Negative points

  • High APR: The APR can be high for those carrying a balance, leading to higher interest charges.
  • No Sign-Up Bonus: The card lacks an introductory bonus for new users.
  • Limited Extra Benefits: Lacks premium features like travel protections or extended warranties.

Expert rating

Fees
4,00
Benefits
4,00
Final Rating
4,00

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