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The Citi Double Cash® Card is best for people looking for a high flat rewards rate across all purchases who don't mind the lack of bonus categories.
Key Features
Spend Multipliers:
- Earn 2% cash back on all purchases (1% back on every $1 spent and 1% back for every $1 paid off.)
Other Benefits:
- No caps and no category restrictions
- 24 Hour Fraud Protection
- ID Theft Protection
- The Lost Wallet® Service
- $0 Liability on Unauthorized Charges
- Citi Entertainment®
- Terms Apply
Annual Fee: $0
Foreign Transaction Fee: 3%
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Card Eligibility
The approval policies for new credit card members vary from issuer to issuer. As a Citi customer, you're only eligible for one Citi card every eight days and two Citi cards every 65 days.
It may make sense to apply directly for the card, but there are other ways to obtain it, such as product changing. Important note: you do not qualify for an intro bonus if you product change into the card.
You can product change from one Citi card to another:
- Citi credit cards, even co-brand cards, can be downgraded to Citi Double Cash
- Cards are generally only eligible for product changes after 12 months, so a new card doesn't qualify
- It's best to call Citi to see what options are available to you
When you product change a card, it maintains your credit line and avoids another credit inquiry.
Citi Double Cash® Card Review
The Citi Double Cash® Card offers attractive flat-rate cash back. If you want to earn cash rewards on every purchase, this card is for you.
The card offers 2% cash back on every purchase - 1% when you make the purchase and another 1% when you pay it off. It has a $0 annual fee and unlimited rewards.
Cash back is earned in the form of ThankYou® Points. If you pair the Citi Double Cash® Card with the Citi Strata Premier℠ Card, you can gain access to travel partners to redeem points at a higher value.
Overall Thoughts
A strong cash back card for good-to-excellent credit, the Citi Double Cash Card presents a simple option for cardholders looking for a catch-all card. It's a great option to maximize cash back categories that don't typically offer point multipliers.
Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain, vendors or companies, and have not been reviewed, approved, or otherwise endorsed by any of these entities.
