Citi Double Cash Card: Simple Cash Back on Every Purchase

Citibank, N.A. is one of America’s leading financial institutions with a history spanning over 200 years. As a member of the FDIC and part of Citigroup Inc., Citibank serves millions of customers across the United States with comprehensive banking and credit card products.

The Citi Double Cash Card is issued by this trusted institution and stands out as one of the most straightforward cash back cards available in the market. The card’s unique feature is its “double cash back” structure, allowing cardholders to earn rewards twice on every purchase without dealing with rotating categories or bonus spending requirements.

When it comes to applying for the Citi Double Cash Card, you’ll need good to excellent credit for approval, typically a credit score of 670 or higher. The card is perfect for people who want a set-it-and-forget-it rewards strategy that delivers consistent value on all purchases without complexity.

Step-by-Step Guide to Apply for the Citi Double Cash Card

Applying for your Citi Double Cash Card is simple and can be completed online in minutes. Here’s the process:

Online Application Process: Visit the Citi website at citi.com and navigate to the credit cards section. Locate the Citi Double Cash Card and click “Apply Now.” You’ll be directed to the secure application page where you’ll provide your information.

Information Required: The application asks for personal details including your full name, date of birth, Social Security number, current address, phone number, and email address. You’ll also need to provide financial information such as your annual income, employment status, employer’s name, and housing situation (rent, own, or other).

Pre-Qualification Option: Before submitting a full application, consider using Citi’s pre-qualification tool. This allows you to check your likelihood of approval without impacting your credit score. If pre-qualified, you can proceed with confidence knowing your approval odds are good.

Approval and Card Arrival: After submitting your application, you’ll typically receive a decision within minutes. If approved, your new card will arrive by mail within 7-10 business days. Upon receiving your card, activate it by calling the number on the activation sticker, through the Citi Mobile app, or via Citi Online Banking.

The Card’s Network Brand

The Citi Double Cash Card operates on the Mastercard network, one of the world’s most widely accepted payment systems. Your card will be accepted at millions of merchant locations throughout the United States and in over 210 countries and territories worldwide.

Whether you’re shopping at local stores, making online purchases, dining at restaurants, or traveling, you can use your Double Cash Card wherever Mastercard is accepted. The card features chip technology for enhanced security and contactless payment capability for quick, tap-to-pay transactions.

Card Fees and Interest Rates

Understanding the Citi Double Cash Card’s fee structure helps maximize its value:

Annual Fee:

• $0 annual fee – you’ll never pay yearly charges

Rewards Structure:

• Earn unlimited 1% cash back when you buy
• Earn an additional 1% cash back as you pay for purchases
• Total: 2% cash back on every purchase
• Plus: 5% total cash back on hotels, car rentals, and attractions booked through Citi Travel

Introductory Offer:

• Earn $200 cash back after spending $1,500 in the first 6 months
• Balance transfer offer: 0% intro APR for 18 months (balance transfers must be completed within 4 months)

Ongoing APR: After the introductory period, the variable APR ranges from 17.99% to 27.99%, based on your creditworthiness. There is no introductory APR on purchases.

Other Fees:

• Balance transfer fee: 3% intro fee (minimum $5) for transfers in first 4 months, then 5% (minimum $5)
• Foreign transaction fee: 3% of each transaction
• Cash advance fee: 5% of each advance (minimum $10)

The key to maximizing this card is paying your balance in full each month. You earn the second 1% cash back when you make payments, so carrying a balance actually works against your rewards strategy.

Understanding the Citi Double Cash Experience

The Citi Double Cash Card revolutionizes cash back rewards with its unique earning structure. Unlike traditional cash back cards that give you all rewards at purchase, this card splits the earning into two parts: 1% when you buy and 1% as you pay.

This approach rewards responsible credit card use. Making at least the minimum payment on time each month ensures you earn the full 2% cash back. It’s a simple yet effective way to encourage good payment habits while maximizing rewards.

The card’s flat-rate structure means you don’t need to track spending categories, activate quarterly bonuses, or strategize about where to use your card. Every purchase earns the same 2% rate, making it one of the highest flat-rate cash back cards available.

Key Benefits of the Citi Double Cash Card

The Double Cash Card offers several valuable features beyond its signature 2% cash back:

Rewards and Earning:

• Unlimited 2% cash back on all purchases
• No category restrictions or enrollment required
• No cap on cash back earnings
• Welcome bonus: $200 for spending $1,500 in first 6 months
• 5% total cash back on Citi Travel bookings

Security Features:

• $0 liability on unauthorized charges
• 24/7 fraud monitoring
• Citi Quick Lock feature to temporarily lock your card
• Chip technology and contactless payments
• Digital wallet compatibility (Apple Pay, Google Pay, Samsung Pay)

Additional Perks:

• Access to Citi Entertainment for presale tickets and exclusive experiences
• Free FICO credit score access
• Flexible redemption options (statement credit, direct deposit, or check)
• Ability to convert to ThankYou Points if you have another eligible Citi card

The redemption flexibility is particularly valuable. You can redeem cash back as a statement credit to reduce your balance, request a direct deposit to your checking or savings account, or receive a physical check by mail.

Downloading the Citi Mobile App

Managing your Citi Double Cash Card is convenient with the Citi Mobile app, available for both Apple and Android devices.

For iPhone/iPad Users: Visit the App Store and search for “Citi Mobile.” Download the official app published by Citibank, N.A. The app is free to download and use.

For Android Users: Go to Google Play Store and search for “Citi Mobile.” Download the app from Citibank N.A., ensuring you’re downloading the authentic application by verifying the publisher.

After installation, log in with your Citi Online Banking username and password. If you don’t have online banking credentials, you can register through the app using your card information and personal details.

The app provides comprehensive account management including balance checks, transaction history, payment scheduling, rewards tracking, spending insights, bill management, and even mobile check deposit. You can also use Touch ID or Face ID for quick and secure access.

Requesting a Replacement Card

If your Citi Double Cash Card is lost, stolen, or damaged, you have several options to request a replacement.

Online Method: Log in to your Citi account online, click the “Services” tab, select “Card Services,” and choose “Replace Card.” Follow the prompts to submit your request.

Mobile App Method: Open the Citi Mobile app, tap the “Services” tab, select “Card Services,” and click “Replace Card.” Complete the replacement request through the guided process.

Phone Method: Call Citi customer service at 1-800-950-5114. Provide your personal information for verification and follow the representative’s instructions to request a replacement card.

Timeline and Fees: Replacement cards typically arrive within 4-7 business days at no charge. If you need expedited shipping, ask the representative about faster delivery options which may include a fee. Your old card will be deactivated immediately upon reporting it lost or stolen.

Contact Information for Citi Double Cash Card

Having the right contact information ensures you can reach Citi whenever needed:

Phone Numbers:

• Customer service: 1-800-950-5114 (24/7)
• General Citibank customer service: 1-888-248-4226
• Reconsideration line (for denied applications): 1-800-695-5171

Online Support:

• Website: citi.com
• Live chat: Available through your online account
• Email support: [email protected]
• Social media: @AskCiti on X (Twitter)

Mailing Address: Citibank P.O. Box 6500 Sioux Falls, SD 57117-6500

Mobile App: Download the Citi Mobile app from the App Store or Google Play for convenient 24/7 account access and customer service features.

The Citi Double Cash Card customer service team is available around the clock to assist with account questions, payment issues, fraud concerns, rewards inquiries, and general support. The app also features comprehensive help sections and FAQs for quick answers to common questions.