Citi Double Cash Credit Card: Earn Double Cash on Every Purchase.

Whether you’re consolidating debt or simply maximizing everyday spending, it’s a powerful match for anyone seeking real cash back.

Searching for a no-nonsense card that rewards every purchase while encouraging smart payment habits? The Citi Double Cash Credit Card delivers exactly that — 2% cash back on all purchases: 1% when you buy, and another 1% as you pay. Simple, reliable, and built for people who value clarity and real return on spending.

Why Citi’s Approach Stands Out

Citi distinguishes itself by offering straightforward earning without rollover complexities or rotating categories. Unlike generous travel-focused cards, Citi Double Cash shines for its universal simplicity — just spend and pay, and your rewards grow. While many issuers emphasize premium perks or category-based points, Citi puts returns directly back into your pocket — plain and simple.

Card Type Overview: Where Citi Double Cash Fits

Here’s how Citi Double Cash compares within the credit card landscape:

• General Rewards Cards: Reward purchases with points, miles, or statements credits, often based on user preferences or categories.
• Category-Based Cash Back Cards: Provide higher returns in specific categories like groceries or dining but require enrollment or caps.
• Flat-Rate Cash Back Cards: Offer consistent return on all spending — simplest and most predictable.
• Charge Cards / Premium Travel Cards: Often come with higher annual fees but offer luxury travel rewards, lounge access, and concierge services.

The Citi Double Cash is a flat-rate cashback card with unmatched simplicity and broad usability — ideal for users who want powerful rewards without complex terms.

Citi Double Cash: Key Features & Benefits

1. Flat 2% Cash Back, No Category Enrollments

You earn 1% cash back when making your purchase, then 1% more when you pay it off — no activation required and no caps on earnings. 

2. $0 Annual Fee

Keep costs low — there’s no annual fee to enjoy the full benefits of this card. 

3. Intro 0% APR on Balance Transfers

Save on interest by transferring balances—enjoy 0% APR for 18 months on balance transfers. Regular APR ranges from approximately 18.24% to 28.24% (variable) depending on your creditworthiness. 

4. $200 Cash Back Welcome Offer

Earn $200 cash back (delivered as 20,000 ThankYou® Points) after spending $1,500 in the first six months of account opening. 

5. Bonus Earnings via Citi Travel® Portal

Enjoy 5% total cash back on hotels, rentals, and attractions booked through Citi Travel® — combining 1% when you buy, 1% when you pay, plus a 3% bonus. 

6. Flexible Reward Redemptions

Redeem your cash back as statement credit, direct deposit, check, or convert to ThankYou® Points for broader redemption options like gift cards, Amazon purchases, or travel. 

7. Contactless Payments & Digital Wallet Support

Tap to pay with enhanced security and convenience, and save your card in digital wallets for safe, quick checkouts. 

8. 24/7 Protection & Identity Safety

Citi offers round-the-clock fraud monitoring, zero liability on unauthorized purchases, and identity theft protection tools. 

How Citi Double Cash Impacts Your Credit

The Citi Double Cash Credit Card reports your activity to all three major credit bureaus. Using it responsibly — making timely payments and keeping balances low — can support healthy credit-building. Additionally, its 0% intro APR on balance transfers makes it a smart tool for managing high-interest debt more strategically.

Claim Your Citi Double Cash Card in Four Steps

1. Visit the official Citi website or a trusted financial portal to find the Citi Double Cash card page.
2. Click “Apply Now” and complete the application with your personal info (income, address, SSN).
3. Submit your application — many decisions are made within minutes.
4. Upon approval, receive your card in the mail, activate it, and start spending — you’ll earn 2% cash back with every purchase-and-pay combination.

Who Should Consider This Card?

The Citi Double Cash Card is perfect for:

• People who want high, consistent cash back on all spending
• Users who prefer simplicity over tracking categories or quarterly programs
• Those looking to save on interest via balance transfers
• Individuals aiming for flexible redemption options without annual fees

If you’re not committed to carrying a balance and lean toward travel or tiered spending perks, cards offering travel points or rotating bonus categories might resonate more with your goals.

Apply today and start earning double cash—simply, reliably, and effectively.