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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.
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The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
Citi® Double Cash Card: no annual fee and cashback in every purchase
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.
| Credit Score | Excellent, Good, Fair. |
| Annual Fee | $0. |
| Regular APR | 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.99% to 28.99%, based on your creditworthiness; 18.99% – 28.99% (Variable for purchases); 29.99% (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. |
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Citi® Double Cash Card
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;
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.99% – 28.99%, based on your creditworthiness;
- Terms apply.
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.
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 an Excellent, Good, or Fair 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.
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
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