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Bottom Line: Citi Double Cash® Card earns its spot in the Credit Cards category with market-leading 2% cash back on all purchases. Worth a close look for the right borrower.
Overview
The Citi Double Cash® Card boasts a market-leading unlimited cashback rate of 2%, plus an intro APR period of 18 months, which is comparable to some of the top balance transfer cards. With additional perks like no annual fee, convenient redemption options, and 24-hour fraud monitoring, this card could be a worthy addition to your wallet.
Citi Double Cash® Card targets borrowers looking for providing services in flat-rate cash back, no annual fee, balance transfers, simple rewards, accepting credit scores from 580 and up.
On the plus side: market-leading 2% cash back on all purchases, no annual fee, 18-month intro apr period. The trade-offs? 3% foreign transaction fee, cash back requires statement credit redemption.
Key Features
- $200
- 2%-5%
- $0
- 580-850 (Fair to Excellent)
- 18.24%-28.24% (Variable)
Rates & Fees
Let’s talk numbers.
- APR range: 2%-5%
- Fees: $0
Your actual rate depends on credit score, loan amount, and term length. These numbers reflect advertised ranges — your offer may differ.
Who Is This For?
Citi Double Cash® Card is geared toward those looking for flat-rate cash back. Credit requirements start at 580, opening the door to a wider range of applicants. Particularly strong for anyone in the market for flat-rate cash back, no annual fee, balance transfers, simple rewards.
This might not be the best fit if 3% foreign transaction fee is a dealbreaker for you.
Application Process
Apply through Citi Double Cash® Card’s website or platform. Response times are typically 7-10 business days. Have your financial documents ready to speed up the process.
How Citi Double Cash® Card Compares
Among credit cards options, Citi Double Cash® Card leans toward the premium end — you pay slightly more but get a polished experience.
With a rating of 9.4/10, it ranks among the stronger options available.
Best For: Flat-Rate Cash Back
Response Time: 7-10 business days
