Citi Double Cash – How to apply

By Marcos • 01/07/2025

This credit card is perfect for those who want many benefits and enjoy all related advantages.

Citi Double Cash Card is a highly beneficial credit card for those looking for simplicity and consistent rewards.We offer two cashbacks on all purchases: 1% at the time of purchase and 1% at checkout. 

This means that cardholders receive direct and consistent cash returns, regardless of the spending category.This card is perfect for people who don’t need to change categories or follow specific restrictions and prefer a simple cashback model.

Flexibility is also a highlight of the Citi Double Cash card.Accumulated cashback can be easily redeemed as a statement credit, gift card, deposit into your bank account or even transferred to a loyalty program. 

For those who don’t want to deal with complicated categories, this card is a great option that offers an uncomplicated cashback experience.

How does the Citi Double Cash credit card work? 

The Citi Double Cash card has a simple structure that offers maximum benefits for cardholders who value convenience.The 2% bonus on all purchases is divided into two parts:

1% on purchases: For every purchase, you will automatically receive 1 cashback. 1% at checkout: When you pay your bill, we add an additional 1% to your purchase.This encourages consumers to keep their household finances in order and rewards them for paying off debts.

This model offers fixed rewards for all types of purchases, including supermarket purchases, gas purchases, restaurants and other spending categories. The Citi Double Cash Card does not require the activation of any special categories, which makes it very convenient for those who don’t want to worry about these limitations.

Another important feature is the Citi Thank You Rewards program. This allows you to convert your accumulated points into travel credits, transfer them to loyalty programs and buy various products. Flexible redemptions make the Citi Double Cash Card even more attractive for those looking to maximize the value of their benefits.

Main benefits of Citi Double Cash

• Unlimited cashback: The highlight of this card is the 2% cashback on all purchases with no category change, monthly limit or additional requirements.This simple model is perfect for those looking for simple, ongoing rewards.
• No annual fee: The Citi Double Cash card has no annual fee, allowing cardholders to enjoy cashback benefits at no additional cost.
• 18-month introductory APR period with 0% APR: This card offers balance transfers with 0% APR for 18 months, allowing consumers to consolidate debt from other cards interest-free.Rewards redemption flexibility

The cash back accumulated can be used for a variety of options, including statement credits, gift cards, bank deposits and even transfer to the Citi Thank You Rewards travel program.

Cons of Citi Double Cash

• Foreign transaction fee: The Citi Double Cash Card charges a 3% fee for transactions outside the United States.There are credit cards that don’t charge this fee, so it can be a disadvantage for people who frequently travel abroad.
• High APR after the introductory period:The card offers 0% APR on balance transfers for 18 months, but variable interest rates can rise from 18.24 to 8.24% after this period, depending on the cardholder’s creditworthiness. 

This means that cardholders who do not pay off their balance in full before the end of the introductory period will be subject to higher rates.

• No welcome bonus: Unlike other cashback cards, the Citi Double Cash Card does not have an attractive welcome bonus. For those looking for a generous sign-up bonus, this card may not be the best choice.

APR and fees

Citi Double Cash Card offers 0.00 APR interest for 18 months on balance transfers.This is a great advantage for those who want to pay off their debts without paying high interest rates. A

fter this period, the variable annual interest rate will be between 18.24% and 8.24% based on the cardholder’s credit profile.This means that your card could cost more if you are unable to pay off the balance in full after the promotional period.O

Citi Double Cash Card charges a 3% foreign transaction fee, plus interest, when making purchases outside the United States.This fee can be a negative point for those who travel abroad frequently.

Surcharges include a late fee of up to US$40 if a bill is not paid within the specified period.

How to apply for the Citi Double Cash

You can apply for the Citi Double Cash card online directly on the Citibank website. The process is simple and quick. Our contact form asks for personal, professional and financial information. 

Once approved, your card will be sent to you and you can start enjoying its benefits as soon as you receive it. The card can also be managed via the Citi mobile app, making it easy to track your spending and benefits and make payments. 

The Citi Double Cash Card offers 24/7 customer support to resolve any questions or problems.