Is the Citi Double Cash Rewards Card right for you?

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Not all cash back cards are created equal, and Citibank has set out to prove this with the Citi® Double Cash Card. One of the most rewarding cash back credit cards out there today for daily spending, you can build up a great balance and then redeem whenever you want for cash back or statement credits. Here are the details!


How to Receive Double Rewards

The big sell point with this card is that you double the standard 1% cash back when you pay your account on time each month. You receive 1% cash back on all purchases, in every category. No need to watch for special deals or pay attention to spending in certain categories. There is no limit to the amount of cash back you can receive; it’s just an even 1% across the board.

After you pay off the balance, you receive another 1% cash back for all payments made. This doubles your cash back to a solid 2% on all purchases. This is one of the highest rates for standard cash back spending across the board, for any card you will find. Other cards like the Chase Freedom® & Discover it® Card can receive 5% cash back, but only on select categories that rotate every quarter.

No Annual Fee

Not only does the Citi® Double Cash Card offer you great cash back opportunities, you can get all of the perks without ever paying an annual fee. This is a great way of maximizing the return on non-bonus spend. Get exactly what you need out of the card, and pay nothing for the benefits!

Super Easy Redemption Plan

As soon as you are ready to redeem, you can get your cash back. You can redeem with as little as $25 in your cashback account, and you can get cash back rewards in the form of statement credits or having a check mailed to you. Gift cards are also an option for a wide variety of retail locations and restaurants. There is no complicated redemption process, no special portals, and no special requirements; just go to your online account and select “Redeem Rewards” to get your cash back.

Special Introductory APR

The Citi® Double Cash Card offers a special 0% 18 months on Balance Transfers* intro APR on 18 months; after that, the variable APR will be 15.74% - 25.74%* based on your creditworthiness.

Great Benefits

The Citi Double Cash is great for anyone who wants to get top cash-back rewards and great purchase protections. The ability to double your rewards for every dollar you spend, simply by paying off your balance, means that you get great rewards


The Citi® Double Cash Back rewards card is simple, yet rewarding when it comes to cash back rewards cards. It's a perfect card for anyone who wants an easy way to receive cash back without any complicated procedures or redemption policies. Collect your rewards at your own pace, and enjoy the ability to double your cash back every time you make a payment.

The downside to the Citi® Double Cash Card is that there's no sign-on bonus, so you will have to decide if the everyday perks of the card make it worthwhile for you.

Is the Citi Double Cash Rewards Card right for you?
4.2 (83.48%) 23 votes
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  • The 2% on Citi’s card is nice, but customer service is pretty weak. Well, insulting. When you have a question that the automaton can’t find an answer to in the script binder, they suggest a manager call you back within 48 hours. I’m not joking. You see, all of the customer service managers are in meeting each time you call. Fancy that. So very busy. They’ll perhaps ring you if available on their own timeline, say, in about two days.

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