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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156 Comments
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Do your virtual numbers work? I tried 3 and none worked.
Over the course of using this card I've gotten the following for free (I save my cashback for 'fun stuff').
- Xbox One X
- Xbox Series X
- Playstation 5
- Bose Quiet Comfort 2 Earbuds
- EGO 670 CFM Leaf Blower
- A couple nicer dinner with my wife
I use my CC for everything so it racks up quickly.
Just don't fall for using this thing at Amazon, they will try everytime you check out. But the points don't convert 100%. Like 1000 points is I think $10, but on amazon it's like $8. Its dumb, just use it to cover expenses on your account each month (kinda a pain) or just give yourself a nice statement credit anytime you buy something big/fun (what I do).
Walmart too. Be careful paying at the creditcard machine.
Yes. I've been using Citibank virtual card numbers (VCNs) for years.
Someone correct me if I'm wrong, but I think each Citibank VCN (once charged) can only be reused by the same merchant vs used among multiple merchants. Not sure if this limitation applies to your situation, but that's all I can think of as to why a VCN didn't work for you.
Someone correct me if I'm wrong, but I think each Citibank VCN (once charged) can only be reused by the same merchant vs used among multiple merchants. Not sure if this limitation applies to your situation, but that's all I can think of as to why a VCN didn't work for you.
Mine never worked, guess I get to call citi
Did you contact Citi to ask why? I have had two cards for years. This one and Capitol Ons that gives 1.5% on everything. There may be better deals but rotating categories or different benefits for different categories is not for me. Both cards have been there when I needed them and both customer service departments have been A"+. I pay everything in full so I'm not concerned with rates and I don't recall foreign transaction fees ordering online (I don't travel abroad).
Nice post and yes some merchants deals are not equal. When bonus points aren't offered. It's always best to redeem for cash (or a credit on your future bill.
Even if you do travel it often works out better to take cash.
As I recall even the best travel cards have an equivalent cash rate of 1.6 or 1.7% when you account for the bullshit pricing they claim your saving from (the price nobody really pays).
The downside of cash back cards like this which don't suck is constant pressure to "upgrade" to a travel card because it's a higher profit margin for them. No travel card user ever gets pushed to cash back.
Combine this with other rewards cards and use whatever's best. Which means I earn AT LEAST 2%. My annual average across all cards is likely a little below 3%. Those PayPal and ewallet 5% offers really workout well and I get my max benefit by the end of the quarter.
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The representative didn't know why. They said the credit limit was determined by a system they had no control over. I tried to increase my credit line twice but no success. I now prefer using Fidelity credit card which gave me over 10k CL and also has 2% cashback on everything.
Wells Fargo Active Cash is still my go to card, because it has cell phone protection too. 2% back is the most you're going to get for all purchases. So this could be a go to for someone as well.
Does it include the virtual card numbers Citi feature?
It does include virtual card number feature. I use this a lot.
Combo this with Citi Premier and you can transfer the points to airline miles
I've had this card a long time and it was always this way...
I have 2 citi cards, this one and a starter card. The starter card had a move to a better card offer I took. I forgot what made it better and callled support and they had no idea. They said there was no deal to move. I found it a few weeks later.
My point, track it yo self.
Bullshit I've been waiting for this to come back
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