Earning cash back doesn’t have to be complicated. Some rewards cards let you earn on every eligible purchase without keeping track of rotating categories or activation periods.
The Citi Double Cash® Card rewards everyday spending with a straightforward cash back program and no annual fee. Eligible cardholders earn cash back when they make purchases and as they pay them off, making it easy to accumulate rewards over time.
This guide explains how the Citi Double Cash® Card works, its key features, applicable fees, eligibility requirements, and the steps to apply online.
Is the Citi Double Cash® Card Right for You?
The best rewards card is often the one that fits your everyday spending habits. If you prefer earning consistent cash back instead of tracking changing bonus categories, a simple rewards structure may be a better choice.
The Citi Double Cash® Card is a strong option for people who want unlimited cash back on eligible purchases while avoiding an annual fee. Its straightforward rewards program makes earning cash back simple from day one.
Why Choose the Citi Double Cash® Card?
The Citi Double Cash® Card offers a simple rewards structure that lets cardholders earn cash back without managing rotating categories or enrollment requirements.
Earn Up to 2% Cash Back
Earn 1% cash back when you make eligible purchases and an additional 1% as you pay for those purchases, allowing you to earn up to 2% cash back.
$0 Annual Fee
Keep your account open without paying an annual fee, making it easier to enjoy ongoing rewards without an added yearly cost.
No Rotating Categories
Unlike some rewards cards, the Citi Double Cash® Card lets you earn cash back without activating quarterly categories or adjusting your spending habits.
Introductory Balance Transfer Offer
Eligible balance transfers qualify for a promotional introductory APR for a limited time, making the card a useful option for consolidating existing balances. Balance transfer fees apply.
Mastercard® ID Theft Protection
Eligible cardholders can enroll in Mastercard® ID Theft Protection, which monitors the personal information you choose to protect and alerts you if suspicious activity is detected. Enrollment is required, and terms and conditions apply.
Rates and Fees
Understanding the card’s rates and fees before applying can help you decide whether it matches your financial goals.
The Citi Double Cash® Card has no annual fee. It also offers a 0% introductory APR on eligible balance transfers for the first 18 months, followed by a variable APR. Balance transfer fees apply, so be sure to review the complete Pricing & Terms before submitting your application.
Eligibility Requirements
Applicants must meet Citi’s eligibility requirements before opening an account.
To qualify, you generally must:
- Be at least 18 years old.
- Be a legal resident of the United States.
- Provide a valid Social Security Number.
- Meet Citi’s credit and identity verification requirements.
- Demonstrate sufficient income or financial ability to manage your credit obligations.
Documents You May Need
Depending on your application, you may be asked to provide:
- A government-issued photo ID.
- Your Social Security Number.
- Proof of income, if requested.
- Your current residential address and personal information.
How to Apply
Applying for the Citi Double Cash® Card is a simple online process.
- Visit the official Citi Double Cash® Card application page.
- Complete the application with your personal and financial information.
- Review the available rates, fees, rewards, and account terms.
- Submit your application for review.
- Wait for Citi’s decision.
- If approved, activate your card and begin earning cash back on eligible purchases.
Ready to Get Started?
If you’re looking for a rewards card that rewards everyday spending with straightforward cash back, the Citi Double Cash® Card is a strong choice.
Click the button below to visit the official application page and complete your request online.
