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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184 Comments
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Source : I've had the card for years and don't use it much since they removed those features.
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).
Also Walmart wants your points. Citi was helpful when Bestbuy scammed me. I bought 12 months of total tech. Best buy didn't finish the 12 months at the 5th month they singed me up for Total. Then they had the nerve to charge me for 12 months of Total. Bestbuy wouldn't budge so I contacted the fraud department got 100% of my money back.
My repeating biggest expenses are groceries and dining so I got (all with no AF):
Capital One Savor - 3% groceries and dining, 1% everything else - no FTF so i use this a lot for international dining
AAA Daily Advantage Visa - 5% groceries - no FTF
US Bank Altitude Go Visa - 4% dining - has 3% FTF so not good for international travels
My fallbacks:
Alliant Credit Union Visa - 2.5 % flat rate - no FTF but don't use this much for international travel because card is not contactless
SoFi Mastercard - 2.2% flat rate - no FTF - my go to fall back for international "other expenses" bc it's contactless
For international travel, I carry 3 cards - Capital One Savor, AAA Daily Advantage Visa, SoFi MC.
Citi Double cash card on everything bought outside Amazon.
Citi Double cash card on everything bought outside Amazon.
I am hearing they're giving out 500, 1k limit, which is dumb.
I am hearing they're giving out 500, 1k limit, which is dumb.
$11,000 is what I've seen. But it all depends on income and credit score.
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Why costco?
Yes they did which is really surprising! It's one of the few citi cards that have double the manufacturer warranty, adding up to 1 add'l year of warranty. Wish the Citi Costco card would bring it back.
How many hard enquiry in your credit report?
I have 14 in last two years but credit score is 815, never approved for this card
I have 14 in last two years but credit score is 815, never approved for this card
I cannot recall. But my hard inquiries never exceed five.
I also used it for groceries up until recently when I got an Amex Blue cash which beats it for 3% on groceries. There really are no reasons to settle for 1% when these cards exist.
The cash promotion just sweetens the deal.
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I also used it for groceries up until recently when I got an Amex Blue cash which beats it for 3% on groceries. There really are no reasons to settle for 1% when these cards exist.
The cash promotion just sweetens the deal.
Fidelity has a 2% Visa card, you need to have a Fidelity brokerage account and connect the brokerage account to the cashback rewards to get the 2%, it's a great card. it's not one percent now and one percent later like the citi double.