Citi Double Cash Card – Double Your Rewards, Double Your Joy!

The Citi® Double Cash Card is a popular rewards credit card that offers 2% flat cash back on all purchases, not just specific categories. It earns 1 point per dollar at the time of purchase and an additional 1 point per dollar when you pay your bill, effectively resulting in 2% cash back on every purchase. The card has no annual fee, making it a great long-term “keeper card” for building credit history. Additionally, the Citi® Double Cash Card offers a 0% intro APR on balance transfers for 18 months, which can be useful for consolidating and paying down high-interest debt.

Citi Double Cash Card Overview

The Citi® Double Cash Card stands out among cash back rewards credit cards by offering an unlimited 2% cash back on all purchases. This simple earning structure, where you earn 1% when you make a purchase and an additional 1% when you pay your bill, combined with the card’s $0 annual fee, makes it an attractive option for those looking to maximize their everyday spending without having to keep track of bonus categories or spending caps.

Earn 2% Cash Back on All Purchases

The Citi® Double Cash Card is a straightforward, no-frills rewards card that can be a valuable addition to any consumer’s wallet. With its unlimited 2% cash back on all purchases, cardholders can enjoy a hassle-free way to earn cash back rewards on their everyday spending.

No Annual Fee Credit Card

One of the key features of the Citi® Double Cash Card is that it has a $0 annual fee. This makes it a cost-effective option for consumers who want to earn cash back rewards without having to pay an annual fee to maintain the card.

Simple Earning Structure

The Citi® Double Cash Card offers a simple and straightforward earning structure. Cardholders earn 1% cash back when they make a purchase and an additional 1% cash back when they pay their bill, resulting in a total of 2% cash back on all purchases. This simplicity helps ensure that consumers can maximize their credit card rewards without the need to keep track of complex bonus categories or spending caps.

Citi Double Cash Card Rewards

The Citi® Double Cash Card comes with a lucrative welcome bonus offer, giving new cardholders the opportunity to earn $200 cash back, fulfilled as 20,000 Citi ThankYou® Points, after spending $1,500 on purchases within the first six months of account opening. This generous welcome bonus can provide a strong start to maximizing the card’s 2% cash back earning potential.

Earning Cash Back Rewards

The Citi® Double Cash Card stands out with its simple yet rewarding cash back structure. Cardholders earn 1 point per dollar (1% cash back) when making a purchase, and an additional 1 point per dollar (1% cash back) when paying their bill, effectively resulting in 2% cash back on all purchases, with no limits or restrictions on the amount of cash back that can be earned.

Redeeming Citi ThankYou Points

The Citi® Double Cash Card earns Citi ThankYou points, which can be redeemed for a variety of options, including cash back, gift cards, travel, and more. Cardholders also have the ability to transfer their ThankYou points to select airline and hotel loyalty programs, potentially unlocking even greater value for their travel rewards redemptions.

Citi Double Cash Card Benefits

The Citi® Double Cash Card offers several key benefits beyond its impressive 2% cash back on all purchases. One notable perk is the 0% introductory APR on balance transfers for 18 months, which can be invaluable for consolidating and paying down high-interest debt. However, it’s important to note that this introductory rate applies only to balance transfers, not new purchases made with the Citi Double Cash Card.

Another significant advantage of the Citi Double Cash Card is that it does not charge an annual fee. This makes it an excellent long-term “keeper card” that can help build credit history over time. While the Citi Double Cash Card may not have the extensive cardholder benefits of some premium rewards cards, its simplicity and strong cash back earnings make it a valuable addition to any consumer’s credit card portfolio.

In summary, the Citi Double Cash Card offers a 0% introductory APR on balance transfers, no annual fee, and a straightforward 2% cash back on all purchases. These benefits, combined with the card’s flexibility and earning potential, make it a compelling choice for those seeking a rewarding, no-frills credit card to complement their financial strategy.

Fees and APRs

The Citi® Double Cash Card is a standout among cash back rewards cards with its $0 annual fee, making it a cost-effective option for earning 2% cash back on all purchases. However, there are some other fees and interest rates to consider when evaluating this Citi credit card.

Annual Fee

One of the most appealing features of the Citi® Double Cash Card is the lack of an annual fee. This allows cardholders to enjoy the benefits of earning 2% cash back without having to pay an annual charge to maintain the account.

APRs for Purchases and Balance Transfers

The Citi® Double Cash Card has a variable APR of 19.24% – 29.24% for both purchases and balance transfers, depending on your creditworthiness. While the introductory 0% APR on balance transfers for the first 18 months can be helpful for consolidating debt, it’s important to note that the standard variable APR will apply to any remaining balance after the promotional period ends.

Foreign Transaction Fees

Travelers should be aware that the Citi® Double Cash Card does charge a 3% foreign transaction fee on each purchase made outside of the United States. This makes the card less ideal for international spending compared to other cards that waive foreign transaction fees.

Overall, the Citi® Double Cash Card’s lack of an annual fee and relatively competitive APR range make it a relatively low-cost option for earning valuable 2% cash back rewards on everyday purchases, though the foreign transaction fee may be a consideration for those who frequently travel abroad.

Citi Double Cash Card – Double Your Rewards, Double Your Joy!

The Citi® Double Cash Card is an excellent choice for consumers looking to maximize their cash back rewards on everyday purchases. With its simple 2% cash back structure, lack of annual fee, and introductory balance transfer offer, the Citi® Double Cash Card can be a powerful tool in any cardholder’s wallet. Whether you’re looking to earn rewards for future travel or just want to offset your regular spending, the Citi® Double Cash Card is a great option that can “double your rewards, double your joy!”

Pairing with Other Citi Cards

The Citi® Double Cash Card can be a powerful part of a Citi credit card strategy when combined with other Citi rewards cards. By holding the Citi Premier Card, cardholders can transfer their Citi ThankYou points earned on the Citi® Double Cash Card to airline and hotel partners at a 1:1 ratio, potentially unlocking even greater value for travel redemptions.

Citi Premier Card

The Citi Premier Card is a travel rewards credit card that earns 3 Citi ThankYou points per dollar spent on travel, including airfare, hotels, and gas stations. By pairing the Citi® Double Cash Card with the Citi Premier Card, cardholders can maximize their earnings on everyday purchases with the 2% cash back from the Citi® Double Cash Card, and then transfer those points to the Citi Premier Card to potentially redeem for high-value travel.

Citi Rewards+ Card

The Citi Rewards+ Card can also complement the Citi® Double Cash Card by rounding up purchases to the nearest 10 points and providing a 10% points rebate on the first 100,000 ThankYou points redeemed per year. This can help boost the overall value of the Citi ThankYou points earned through the Citi® Double Cash Card.

Citi Custom Cash Card

Additionally, the Citi Custom Cash Card can be used to earn 5% back in a top eligible spending category each month, with the Citi® Double Cash Card earning 2% on all other purchases. Combining these Citi cards can help maximize rewards across different spending categories, allowing cardholders to optimize their earning potential.

annual fee, but it does have a variable APR of 19.24% – 29.24% for purchases and balance transfers, depending on your creditworthiness. Additionally, the card charges a 3% foreign transaction fee for purchases made outside the U.S.