Citi Double Cash Card Review: 2% Cash Back Rewards on Everything [2020]

Does earning 2% cash back on everything make up for the lack of a welcome bonus?
Last updated Jan 29, 2020 | By Kevin Payne

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Cash back rewards can be a great way to earn money on the purchases you make every day. For people looking for a simple cash back credit card, look no further than Citi Double Cash Card. With its easy-to-understand rewards program and $0 annual fee, this Citi card is beneficial no matter what type of spending you do most frequently.

Earn Cash Back Twice

Citi Double Cash Card

Citi Double Cash Card

Citi Double Cash Card

Benefits

  • 0% intro APR on balance transfers for 18 months
  • 2% cash back on all purchases - 1% when you buy and 1% when you pay
  • No annual fee

Drawbacks

  • Foreign transaction fee
  • No sign-up bonus


Who should get this card?

The Citi Double Cash Card is ideal for people who love earning cash back, but don’t love complicated credit card rewards programs. With this Citi card, you don’t need to worry about how much cash back you’ll earn with designated spending categories: You up to 2% cash back on all purchases: 1% as you buy and 1% as you pay.

The Citi Double Cash card is also great for budget-conscious members, since there’s a $0 annual fee. If you’re looking for a card that offers a sizable welcome bonus, however, you may be disappointed — this credit card offers no signup bonus.

For frequent travelers, the Citi Double Cash likely isn’t the best credit card to use overseas. It carries a foreign transaction fee of 3%.

It’s also a good time to note that while this card's cash back is good, other cards offer up to 5% in specific categories. The Citi Double Cash Card might be better as a secondary credit card utilized when your primary card doesn’t earn at a higher rate.

Card Basics

Annual Fee $0
Recommended Credit Score Excellent, Good
Intro APR 0% intro APR on balance transfers for 18 months
Foreign Transaction Fee 3%

Top Card Benefits

  • Generous rewards for all categories: up to 2% cash back on all purchases: 1% as you buy and 1% as you pay. Cardmembers don’t have to worry about tracking rotating spending categories; earning is the same no matter what spending category.
  • Lengthy intro APR: New cardmembers can enjoy a 0% intro APR on balance transfers for 18 months, making this a great card to help you consolidate and pay down existing credit card debt. Note that there is a transfer fee of $5 or 3%, whichever is greater.
  • $0 annual fee: Citi Double Cash Card users can enjoy rewards without having to worry about annual fees. That means all the cash back you earn can stay in your pocket.
  • Card security: Citi takes security seriously. Citi will send you alerts if there’s any unusual activity on your credit card, and you’re not responsible for any charges from unauthorized purchases. If you lose your card, Citi will replace it, generally within 24 hours. Emergency cash is available to get you by until your new card shows up.

Earning & Redeeming

Best ways to earn

Earning cash back is a breeze with the Citi Double Cash Card. Members will up to 2% cash back on all purchases: 1% as you buy and 1% as you pay, and there are no caps to how much cash back you can earn.

Citi Double Cash Cardmembers earn unlimited 1% for every dollar spent on anything. The other 1% is earned when you pay for your purchases. Minimum payments must be made to earn cash back rewards.

For people wanting to earn as much cash back as possible, you’ll need to make this Citi card your primary credit card. This may limit your rewards on other cards with higher earning potential. For example, some cards may offer up to 5% cash back in specific categories, such as dining or grocery store spending. If your expenses in those categories are significant, you may miss out if you use Citi Double Cash card as your everyday card.

Maximizing your redemptions

Cash back rewards can be redeemed once your rewards balance reaches a minimum of $25. However, cash back rewards can expire if you don’t make any purchases or payments for 12 months.

Cardmembers have four redemption options with the Citi Double Cash Card:

  • Receive a check
  • Receive a statement credit on your card account
  • Receive a credit on a linked Citi savings, Citi checking account, or another checking account used to make Citi credit card payments at least twice
  • Convert your cash back rewards into Citi ThankYou points

While opting for a check or account credit may be the easiest way to redeem rewards, converting your cash back into Citi ThankYou points could be the most lucrative option. Your cash back transfers at a 1:1 ratio, so $1 of cash back equals 100 Citi ThankYou points.

And once you convert your rewards into ThankYou points, you can redeem them for gift cards, merchandise, or even to book travel through the Citi portal. Even better, if you have a Citi Prestige or Citi Premier card (perhaps as part of the Citi trifecta), you can use one of those cards to transfer your ThankYou points directly to more than a dozen airline partners

Common Questions

How does the Citi Double Cash Card work?

On all spending, you can up to 2% cash back on all purchases: 1% as you buy and 1% as you pay.

Is the Citi Double Cash Card a Visa or Mastercard?

The Citi Double Cash Card is part of the Mastercard family.

Is the Citi Double Cash Card hard to get?

Your eligibility for this card is based on several factors, including your credit score. The Citi Double Cash Card requires at least a credit rating of good to excellent.

What is the credit limit on the Citi Double Cash Card?

There is no set credit limit for this Citi card. Credit limits are determined by personal factors such as your annual salary, other income, and a review of your debts. Limits can be as low as $500. Citi informs new cardmembers of their credit limit when they receive their credit card.

Will Citi automatically raise your limit?

Citi periodically raises the limits of their cardmembers if they meet certain criteria. Cardmembers that share income and housing information with Citi may qualify for automatic limit increases. You can also manually request a credit limit increase at any time.

Does the Citi Double Cash Card give you a signup bonus?

No, unfortunately, the Citi Double Cash Card does not have a signup bonus as part of its standard offer.

How do I redeem cash back on the Citi Double Cash Card?

Cash back rewards are redeemed either in the form of a check, a statement credit, or a credit to an eligible checking or savings account. You must have a minimum cash back balance of $25 before you can redeem rewards. Redemptions can be made through your Citi account online or by calling Citi at 1-855-473-4583.

You may also choose to convert your cash back rewards into Citi ThankYou points.

Other Cards to Consider

For reliable cash back rewards and a signup bonus, consider the Capital One® Quicksilver® Cash Rewards card. This card earns 1.5% cash back rewards on every purchase, every day, no matter the category. New cardmembers can also earn a $150 cash back bonus after spending $500 in the first 3 months, all for a $0 annual fee.

Another cash back card to check out is the Chase Freedom Unlimited. New cardmembers will earn a $150 cash back bonus after spending $500 in the first 3 months. This Chase card also earns unlimited 1.5% cash back on all purchases and has a $0 annual fee.

Earn Cash Back Twice

Citi Double Cash Card

Citi Double Cash Card

Citi Double Cash Card

Special Offer

Earn cash back twice: 1% when you buy + 1% when you pay

See how these cards compare:

Capital One® Quicksilver® Cash Rewards Credit Card
Capital One® Quicksilver® Cash Rewards Credit Card
  • $150 early spend bonus
  • No annual fee
  • 0% intro APR on purchases and transfers for 15 months
  • 1.5% cash back on every purchase, every day
Chase Freedom Unlimited
Chase Freedom Unlimited
  • $150 sign-up bonus
  • No annual fee
  • 0% intro APR on purchases and balance transfers
  • 5% cash back on Lyft rides
  • 1.5% cash back on all other purchases