Citi Double Cash – How To Apply
The Citi Double Cash Credit Card is a option for individuals who want to earn a straightforward, high-rate cashback.
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With its simple structure, the card offers 2% cashback on every purchase—1% when you buy, and 1% when you pay.
This no-fuss rewards system is ideal for people who want to earn rewards without worrying about rotating categories or special spending limits.
Plus, with no annual fee and a competitive APR, it’s a solid choice for those seeking value and simplicity in their credit card experience.
Citi Double Cash
Low Annual Fee High APRHow does the Citi Double Cash Credit Card work?
The Citi Double Cash Credit Card is designed to make earning cashback as easy as possible. Here’s how it works:
- Earning Rewards: You earn 1% cashback on every purchase you make, and an additional 1% cashback when you pay your bill. This means you earn a total of 2% cashback on every purchase, with no category restrictions or spending limits.
- Cashback Redemption: Rewards can be redeemed for statement credits, checks, or gift cards, providing flexibility in how you use your cashback. You can also use your rewards for travel through the Citi ThankYou Rewards program.
- No Annual Fee: The Citi Double Cash Credit Card comes with no annual fee, meaning you get all the rewards without any extra costs.
- Introductory APR Offer: The card also offers an introductory 0% APR on balance transfers for the first 18 months (after which a variable APR applies). This can be useful for people who want to transfer high-interest debt and save on interest charges for a period of time.
- Access to Citi Benefits: Cardholders also benefit from Citi’s 24/7 customer service, fraud protection, and other security features, adding an extra layer of value to the card.
Main benefits of Citi Double Cash Credit Card
The Citi Double Cash Credit Card offers a variety of key advantages that make it a popular choice for cashback enthusiasts:
- 2% Unlimited Cashback: You earn 1% cashback on all purchases and an additional 1% when you pay, meaning you can earn a total of 2% cashback on every purchase, with no rotating categories or spending limits.
- No Annual Fee: The card charges no annual fee, allowing you to earn rewards without any extra costs.
- Cashback Redemption Flexibility: You can redeem your cashback rewards for statement credits, checks, or gift cards.
- Introductory APR on Balance Transfers: The card offers a 0% APR for the first 18 months on balance transfers (then a variable APR applies), making it an excellent choice for people looking to pay off existing credit card debt.
- Fraud Protection and Customer Service: As a Citi cardholder, you get access to 24/7 customer service, fraud protection, and other security benefits, which provide peace of mind when using your card.
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Cons of Citi Double Cash Credit Card
Despite its many advantages, the Citi Double Cash Credit Card does have a few drawbacks to keep in mind:
- High APR After Introductory Period: While the card offers an introductory 0% APR on balance transfers for the first 18 months, the APR after that period ranges from 20.49% to 29.49% (variable).
- Foreign Transaction Fees: The card charges a 3% foreign transaction fee, which may make it less ideal for those who frequently travel abroad.
- No Bonus Categories or Rotating Offers: The Citi Double Cash card’s cashback structure is simple.
APR and Fees
The Citi Double Cash Credit Card has a variable APR that ranges from 20.49% to 29.49% (based on your creditworthiness).
There is no annual fee, which makes the card cost-effective for everyday use, and it also comes with an introductory 0% APR on balance transfers for the first 18 months (after which a variable APR applies). Late payment fees and returned payment fees may apply, up to $40.
How to apply for the Citi Double Cash Credit Card
Applying for the Citi Double Cash Credit Card is easy and can be done online. Here’s how:
- Visit the Application Page: Go to the official Citi website.
- Provide Your Information: You’ll need to submit personal details such as your name, address, income, and social security number to determine your eligibility.
- Review the Terms: Before submitting your application, review the card’s APR, fees, and rewards structure to ensure it aligns with your financial goals.
- Submit Your Application: Once you’ve reviewed the terms and filled out your information, submit your application. If approved, you’ll receive your Citi Double Cash Credit Card and can start earning 2% cashback on every purchase.
