Citi Double Cash – How to apply

By Raquel Oliveira • 03/19/2025

Citi Double Cash: Flat two percent cashback on all purchases.

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.

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.

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.

How to Apply for the Citi Double Cash Card

Applying for the Citi Double Cash Card is a simple online process that provides a quick and efficient way for eligible applicants to receive approval for the credit card.

• Visit the Citi website and locate the credit card application section, selecting the Citi Double Cash Card as the preferred option.
• Fill out the application form with personal and financial details, including income, Social Security number, and employment status for credit evaluation.
• Submit the form and wait for an instant or manual approval process, depending on the applicant’s credit history and financial background.
• If approved, the physical credit card will be mailed within seven to ten business days, allowing users to activate and use it immediately.

Who Should Apply for the Citi Double Cash Card?

The Citi Double Cash Card is best suited for individuals looking for a simple, high-reward cashback system without annual fees or complicated category activations, making it perfect for everyday purchases.

It is an excellent option for users who prefer flat-rate rewards on all transactions, ensuring they receive a consistent cashback rate rather than tracking rotating spending categories or specific spending habits.

Additionally, this card benefits those looking to transfer high-interest balances, as the zero percent introductory APR for eighteen months provides cost-saving opportunities for debt repayment and financial restructuring.

However, frequent travelers may find the foreign transaction fee limiting, making other travel-focused credit cards with no international fees a better option for those who spend frequently abroad.

Final Considerations

The Citi Double Cash Card offers a straightforward cashback structure, no annual fee, and a long introductory APR period, making it an excellent option for individuals seeking flexible rewards and financial management tools.

While it lacks premium travel benefits or high-category rewards, its two percent flat cashback rate and balance transfer promotions provide strong advantages for budget-conscious and responsible spenders.

Before applying, consider whether this card’s features align with your financial habits, ensuring that it provides the maximum possible value for your everyday expenses and long-term savings goals.