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Citi Double Cash® Card: Earn $200 Cash Back After You Spend $1,500 In First 6 Months of Account Opening

+38 Deal Score
109,586 Views
Citi® is offering the following: Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening with the Citi Double Cash® Card.

Special Travel Offer: Earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.

Card Details:
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).


Rates & Fees

Read our review on the Citi Double Cash® Card

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Deal
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109,586 Views
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Joined Jun 2022
New User
> bubble2 1 Posts
10 Reputation
CalmWriter5450
01-16-2024 at 05:30 PM.
01-16-2024 at 05:30 PM.
I would highly discourage using citibank. I signed up a few months ago and it's been a disaster. They refused to honor the $200 and then had 3 to 4 agents lie and tell me different things they were doing that they never did. Highly avoid citibank
1
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Joined May 2020
L3: Novice
> bubble2 127 Posts
26 Reputation
JollyStag697
01-16-2024 at 08:43 PM.
01-16-2024 at 08:43 PM.
Quote from _lukas :
Eh not great at all. I think it's chase that has a card that offers $200 back after $500 spend. A good all rounder for 2% back is the PayPal MasterCard (they were the very first to offer 2% on all purchases years ago)
This card aside those from are team cash back is good those who need TY points, as there's only 4 cards open to applications ATM, and only 1 that has a large SUB.
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Joined Sep 2011
L4: Apprentice
> bubble2 473 Posts
50 Reputation
Jeff630
01-18-2024 at 09:39 PM.
01-18-2024 at 09:39 PM.
Quote from slicksdeal :
Maybe a trick so that you can't get the bonus. You will have to fully max out your limit for 3 months if that's even possible.

You can just pay your balance once charge is cleared. Why you need to wait till end of statement period
1
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Joined Mar 2012
L5: Journeyman
> bubble2 1,449 Posts
236 Reputation
Xray_Man
01-20-2024 at 09:17 AM.
01-20-2024 at 09:17 AM.
I have this card and it's Meh. I will say that the big benefit of this card is the Virtual Number option. I use that number for everything I don't want recurring charges for. Sip Club, theathletic.com or anything I want to try without forgetting to cancel the subscription. Set the expiration for 2 months and viola.
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Joined Oct 2008
L1: Learner
> bubble2 6 Posts
10 Reputation
DuckFeetus
02-06-2024 at 05:39 PM.
02-06-2024 at 05:39 PM.
Have held this card since it launched (8 years ago?). When I first signed up I redeemed three hundred dollars in rewards all at once, apparently they don't give you cash back if you redeem as a statement credit instead of direct deposit. I figured no big deal it's three dollars and I'm a new customer, let's see if Citi is as bad as I hear. I call to see if I can get three bucks, they said no because that's how the bureaucratic bank machine works. That was a perfect prelude to my relationship with Citi.

Here's my two cents: The cash back is fine but has an annoying month delay and other cards like Fidelity or Wells Fargo now give you cash back right away with no BS. Bonus partners can be decent around the holidays (spend 100 get 10 back at Best Buy or whatever). They have removed all of the useful fringe benefits it used to have (car rental damage waiver, price protection etc.). I don't mind outsourced customer service.. but this is so bad I feel like I'm answering a spam caller. Nobody knows what's going on, there's a strange static on the phone line, and I honestly have trouble understanding what they're saying. I don't trust them if I run into fraud at all. It's a Mastercard so I can't use it at Costco.

It's fine, not the worst card you can get, but honestly I think there are now better options (Fidelity which has no foreign transaction fee or Wells Fargo which has some useful benefits like car/phone coverage, good special offers like 10 off 50 gas, and is a Visa you can use at Costco. Both don't make you wait an extra month for the last one percent). Slickdeals is gonna do their thing they've been doing recently though and keep pushing those credit card referrals.

Citi, if you end up reading this: I hope you regret that three dollars you saved on me in 2015.
1
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Last edited by DuckFeetus February 6, 2024 at 05:42 PM.
Joined Dec 2010
L2: Beginner
> bubble2 64 Posts
10 Reputation
KokoKong
02-07-2024 at 11:59 AM.
02-07-2024 at 11:59 AM.
I wouldn't recommend this card to anyone that expects to have some level of purchase protection. They are horrible to deal with and refused to credit me $1,400 that I paid for a Hurley e-bike which I returned to the manufacturer with defects per their instruction. Then neither Hurley or Double Cash would refund me for the bike that I returned. Horrible service.
2
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Joined May 2015
L3: Novice
> bubble2 271 Posts
50 Reputation
HollywoodHogan
02-08-2024 at 07:04 PM.
02-08-2024 at 07:04 PM.
Quote from CalmWriter5450 :
I would highly discourage using citibank. I signed up a few months ago and it's been a disaster. They refused to honor the $200 and then had 3 to 4 agents lie and tell me different things they were doing that they never did. Highly avoid citibank

Speak for yourself. Have had this card for almost 2 years now and not a single issue.
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Joined Jun 2014
L4: Apprentice
> bubble2 423 Posts
26 Reputation
rh71
02-08-2024 at 08:52 PM.
02-08-2024 at 08:52 PM.
Quote from KokoKong :
I wouldn't recommend this card to anyone that expects to have some level of purchase protection. They are horrible to deal with and refused to credit me $1,400 that I paid for a Hurley e-bike which I returned to the manufacturer with defects per their instruction. Then neither Hurley or Double Cash would refund me for the bike that I returned. Horrible service.

The service isn't great and dispute resolution felt like a crapshoot but the 2 fraud charges for me on these cards (have 2) did get reversed in the end. They kept saying don't worry but I was worried with the way they handled it nonchalantly.
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Joined Mar 2008
L4: Apprentice
> bubble2 431 Posts
163 Reputation
S4gunn
02-09-2024 at 02:11 PM.
02-09-2024 at 02:11 PM.
Quote from HollywoodHogan :
Speak for yourself. Have had this card for almost 2 years now and not a single issue.
I've had my doublecash card since 2014 (when it first launched) and never had an issue with them. Citibank is my main bank but they haven't nearly given me the drama Wells Fargo has caused me in the past.
My biggest complaints over 10 years:
- Perks have been reduced: price protection, travel insurance. I have made claims with other cards (BofA, AMEX, Citi) and they have all paid out. However Citibank removed these perks.
- Still charge a FTF of 3%. This card stays at home when I travel overseas.
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Joined Mar 2017
L3: Novice
> bubble2 117 Posts
18 Reputation
zablon
03-08-2024 at 01:08 PM.
03-08-2024 at 01:08 PM.
Quote from Cheapskate27 :
I really hate these promoted CC posts, but this is really a solid credit card. Signed up years ago with no bonus offer bc it's just an easy rewards system. 2% off everything is great if you don't spend a ton (since there's no annual fee), don't want to deal with variable and dynamic rebate rates for each category of spending, especially if you don't travel. I just credit the rebate to my bill once a month. Highly recommended.
Same. Been using this card for years. Love it.
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Joined Feb 2004
Just Another Whorder
> bubble2 558 Posts
notonline
03-10-2024 at 08:07 AM.
03-10-2024 at 08:07 AM.
Okay, I know this is a sponsored link but am totally missing why all the love. I just received the Citi custom cash card yesterday which has the same bonus but gives 5% on the category I spend the most. How is this one better?
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Joined May 2008
Super Moderator
> bubble2 2,191 Posts
652 Reputation
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Global Mod
pur | Staff
03-10-2024 at 08:10 AM.
03-10-2024 at 08:10 AM.
Quote from notonline :
Okay, I know this is a sponsored link but am totally missing why all the love. I just received the Citi custom cash card yesterday which has the same bonus but gives 5% on the category I spend the most. How is this one better?
Why not both? Smilie
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Joined Feb 2004
Just Another Whorder
> bubble2 558 Posts
notonline
03-10-2024 at 08:21 AM.
03-10-2024 at 08:21 AM.
Quote from pur :
Why not both? Smilie
Because I have a Citi Costco too. Only want to use one per bank.
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Joined Feb 2021
L6: Expert
> bubble2 1,724 Posts
296 Reputation
nyc10036
03-10-2024 at 08:26 AM.
03-10-2024 at 08:26 AM.
Quote from notonline :
Because I have a Citi Costco too. Only want to use one per bank.
Not a good enough reason.

I have 3 Citi credit cards.
I got the Rewards+ to get 10% back on points redemption so that Double Cash 2% is now 2.2% and the Custom Cash 5% is 5.5%

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Joined Feb 2021
L6: Expert
> bubble2 1,724 Posts
296 Reputation
nyc10036
03-10-2024 at 08:27 AM.
03-10-2024 at 08:27 AM.
Quote from notonline :
Okay, I know this is a sponsored link but am totally missing why all the love. I just received the Citi custom cash card yesterday which has the same bonus but gives 5% on the category I spend the most. How is this one better?
Because car repairs , medical bills, insurance bills are not categories that get 5%

Of course, you can play the VISA/MasterCard gift card game but you are stll limited to 5% on $500 per statement period only.
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