Reviews

Citi® Double Cash Card review: is it worth it?

Does a credit card with no annual fee and cashback on every purchase seem like a good deal for you? If you think so, you'll like what the Citi® Double Cash Card has to offer.

by Julia Bermudez

03/28/2022 | Updated on 02/07/2023

Citi® Double Cash Card: no annual fee and cashback in every purchase

The Citi® Double Cash Card has a beautiful design. Source: Citi.

If you got here, you’re probably interested in the Citi® Double Cash Card. This review is exactly what you need.

Are you looking for a new credit card? If you’re like most people, you want one with cash back and no annual fee. The Citi® Double Cash may be just what you’re looking for.

But is it worth it? Let’s take a closer look.

How do you get the Citi® Double Cash Card?

To get a lot of cashback and pay no annual fee, consider applying for the Citi® Double Cash Card. It's not called "double cash" for no reason. There's double cashback.

Keep Reading

Credit Score	Good/Excellent.
Annual Fee	$0.
Regular APR	0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% – 28.49%, based on your creditworthiness. 18.49% – 28.49% (Variable for purchases). 29.74% (Variable for cash advances).
Welcome bonus	N/A.
Rewards*	2% cashback (unlimited 1% cash back on every purchase when you buy and 1% when you pay for those purchases on your credit card bill). *Terms apply.

Citi® Double Cash Card

smiling people bump fist — Double cashback for double happiness. Source: Freepik

The more you use it, the more you’ll earn. This credit card has no bonus categories, but this can be an advantage for those who don’t like complicated rewards. It’s an easy-to-use card.

You get 1% cashback on every purchase when you use the card and another 1% cashback when you pay. That is, you get rewards for using and for paying.

Citi® Double Cash Card: should you get one?

As with every card, the Citi® Double Cash has pros and cons. Weight them to see if you like what this card has to offer.

Pros

No annual fee, so every penny you got in cashback is worth it.
Earn 2% cashback – 1% the moment you make every purchase and 1% when you pay your credit card bill.
No bonus category, you’ll get cashback in every purchase.
Unlimited cash back: no cap to the amount you can earn in any category. To earn cash back, pay at least the minimum due on time.

Cons

The flat rate can be an advantage for some, but others will miss the bonus categories and the opportunity to earn more rewards.
Charges foreign transaction fees, so it is not a good option to take on your trips.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

Credit scores required

Even though it has a not-so-high rate of benefits, Citi® is demanding for its cardholder creditworthiness. So, to apply for the Citi® Double Cash you need a good or excellent credit score.

If your credit score is not so good right now, you can work on it with other cards until you can ask for this one.

Citi® Double Cash Card application: how to do?

So, after reading all about its benefits, do you think this card is for you? Take care to not ask for a new credit card before reading all about it to see if it fits your lifestyle.

If you got what it takes to have the Citi® Double Cash, go to the next article here to learn about the application process. It’s easy, just read it to apply for your new credit card.

How do you get the Citi® Double Cash Card?

To get a lot of cashback and pay no annual fee, consider applying for the Citi® Double Cash Card. It's not called "double cash" for no reason. There's double cashback.

Keep Reading

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

About the author / Julia Bermudez

Julia Bermudez is a writer here on this portal. Since childhood, writing has been a passion, and her curiosity for different subjects led to this profession. Julia has a degree in Cultural Production, and her subjects of most significant interest are health, finances, and self-development.