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

+53 Deal Score
139,366 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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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 Aug 2007
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OrangeJulius
03-26-2025 at 10:37 AM.
03-26-2025 at 10:37 AM.
Quote from herenamaste :
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.
The 1%+1% from Citi is really just 2% unless you're one of those people who fails to pay it off at least once a month, or you're doing some kind of balance transfer scheme. Really, if someone doesn't pay off their card in full every single month, they should just have a debit card because they're not financially responsible enough to have a credit card.

In my case, I pay my card in full 3-5 times a month as charges are no longer pending, so I always get the full 2% at the end of the monthly statement period.

I was aware of Fidelity's option, but the strings attached are a bit more than a simple credit card from BOA or Citi. If someone needs a taxable brokerage account, Fidelity is awfully nice because their cash sweep option automatically places unused cash in money market. Those rates beat Citi and BOA's high yield savings, and make it easy when compared to most other brokers that force you to manually buy MMF ETFs or Mutual funds.
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Joined Feb 2017
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> bubble2 369 Posts
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herenamaste
03-27-2025 at 07:01 PM.
03-27-2025 at 07:01 PM.
Quote from OrangeJulius :
The 1%+1% from Citi is really just 2% unless you're one of those people who fails to pay it off at least once a month, or you're doing some kind of balance transfer scheme. Really, if someone doesn't pay off their card in full every single month, they should just have a debit card because they're not financially responsible enough to have a credit card.

In my case, I pay my card in full 3-5 times a month as charges are no longer pending, so I always get the full 2% at the end of the monthly statement period.

I was aware of Fidelity's option, but the strings attached are a bit more than a simple credit card from BOA or Citi. If someone needs a taxable brokerage account, Fidelity is awfully nice because their cash sweep option automatically places unused cash in money market. Those rates beat Citi and BOA's high yield savings, and make it easy when compared to most other brokers that force you to manually buy MMF ETFs or Mutual funds.
One thing to note, the Citi-Double Cash charges a 3% FTF (foreign transaction fee). Game changer for me, Fidelity wins me over. They do not charge a FTF. Citi isn't so simple when it charges fees.
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Joined Aug 2007
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OrangeJulius
03-28-2025 at 11:33 AM.
03-28-2025 at 11:33 AM.
Quote from herenamaste :
One thing to note, the Citi-Double Cash charges a 3% FTF (foreign transaction fee). Game changer for me, Fidelity wins me over. They do not charge a FTF. Citi isn't so simple when it charges fees.
That's the reason to have multiple cards. If I make purchases in foreign currencies, I use my beater Capital One Quicksilver Rewards card. It's only 1.5%, but if it gets stolen or the numbers swiped, it's easy for me to cancel since I only use it while travelling outside the US, and for items listed in foreign currencies.

I'd advise everyone have at least one card with each major processor (Visa, Mastercard, Amex, Discover) to take advantage of deals and limit the annoyance of a stolen or lost card.
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Joined Dec 2012
L4: Apprentice
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1004ron
04-11-2025 at 05:40 PM.
04-11-2025 at 05:40 PM.
Been using this card for a good few years for the 2% cash back on everything all the time.

I missed out on these promotional deals.
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Joined Dec 2010
L4: Apprentice
> bubble2 2,590 Posts
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radars
04-13-2025 at 10:13 PM.
04-13-2025 at 10:13 PM.
Why not select chase freedom unlimited to earn $250 by spending $500? It is the best signing up bonus so far.
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