Citi Double Cash Credit Card Review 2022


GOBanking Rates Score

Quick take: If you’re looking for an easy-to-use cash back credit card with 2% cash back, you’ll find yourself whipping out your Citi Double Cash card time and time again. You don’t have to follow the expense category rotation – you’ll receive a 2% lump sum reimbursement each month. Cardholders earn 1% when you make a purchase and 1% when you pay your minimum card balance each month. An 18-month 0% introductory APR for balance transfers makes this card even more enjoyable.

  • Rewards program
  • Balance transfer offer
  • Advantages and Benefits
  • Costs

How did we calculate this?


  • 2% Easy Cash Back
  • No categories to follow
  • No annual fee
  • 0% intro APR for 18 months on balance transfers

The inconvenients

  • High APR
  • Balance Transfer Fee
  • Foreign transaction fees
  • No 0% intro APR for purchases

Overview of Citi Double Cash Card

Effective March 28, 2022, Citi is changing the rewards program for all of its cards to provide ThankYou points, instead of outright cash rewards. However, Citi Double Cash keeps it simple by giving you 1 ThankYou point for every 1% earned. This means you’ll earn 2 ThankYou points, or 2% cash back, on every purchase. You can still request cash back as a direct deposit, check or statement credit.

But ThankYou points give you additional flexibility to combine your points with points earned on other Citi cards and/or to use them for travel booked through the Citi portal, merchandise and gift cards.

In addition to generous, simple cash rewards and a flexible redemption program, the Citi Double Cash Card also has an introductory APR of 0% on balance transfers and no annual fee, ever.

Who is it best for

If you don’t want to spend time tracking your spending categories to decide which credit card to use for rewards or worry about maximizing bonus rewards in any category, the Citi Double Cash Card might be the best choice for you. you.

The 2% rewards offer may not be the highest in the industry, but it is simple. Also, if you’re looking to transfer a balance from high-interest cards and want enough time to pay off that balance without interest, the Citi Double Cash Card is a good card to consider.

Rewards program

GOBankingRates gave the rewards program a rating of 4.9 out of 5. While you can find cards with higher rewards, you won’t find many that are as easy to use. Earn 1% (or rather 1 ThankYou point) every time you make a purchase and another point for that corresponding purchase when you make your minimum payment on time the following month. It’s so easy.

There’s no limit to the rewards you can earn, and you don’t have to follow any categories. Your points expire if you haven’t made a purchase or made a payment on your card for 12 months. Note that you will only earn cash back on your purchases; you do not earn cash back on balance transfers, cash advances, account fees, interest, or returned items.

Balance transfer offer

If you have high-interest credit card debt that you’re ready to pay off, the Citi Double Cash Rewards Card is a great way to do it. You’ll pay 3% on each balance transferred (with a minimum payment of $5), but you’ll have 18 months after opening your card to pay that balance in full before earning interest. Balance transfers must be made within 4 months of opening the card.

You should always do the math to see if a balance transfer offer is the right choice for you.

Advantages and Benefits

This credit card gives you access to the premium services Citi offers its customers, including 24-hour fraud protection, Citi identity theft solutions, and $0 liability for unauthorized charges . Other card benefits include fast card replacement and emergency cash if you lose your wallet, a Citi concierge who can help you with travel, shopping, dining and entertainment, and customer service. live 24/7.

Citi also offers cardholders access to pre-sale tickets and exclusive entertainment experiences and sporting events.


One of the main advantages of Citi Double Cash rewards is that there is never an annual fee for the card.

Citi also offers a “late fee pass,” which waives your first late fee. This is a feature that not all credit card companies offer automatically, although you can sometimes call to have the late fee waived.

Good to know

Citi Double Cash does not have a 0% intro APR on purchases. This means that if you transfer a balance to the card with the intention of paying it off within 18 months, but also make purchases on the card within that time, your purchases will start earning interest immediately. There will be no grace period unless you pay your balance in full, including the transferred balance.

What sets the Citi Double Cash Card apart?

By far, the most outstanding feature of the Citi Double Cash Card is the simplicity of its 2X rewards program. Earn 2%, or 2 X ThankYou points, for every purchase you make and then pay. By switching to ThankYou points instead of cash back, Citi offers even more flexibility with this simple rewards card.

Citi Double Cash Card vs. BankAmericard Credit Card

If you’re considering the Citi Double Cash Card for its generous balance transfer offer with 18 months to pay off your balance at 0% APR, you might also want to take a look at the BankAmericard Credit Card, which also offers an introductory 0% APR for 18 months. BankAmericard also offers a $100 statement credit if you make at least $1,000 in purchases within the first 90 days of account opening. However, the Citi Double Cash Card gives you four months to take advantage of the balance transfer offer, while BankAmericard only gives you 60 days. Neither card has an annual fee.

Citi Dual Charge Card vs. Wells Fargo Active Charge Card

If you’re looking for a simple credit card, the Wells Fargo Active Cash Card offers 2% rewards, which is competitive with the Citi Double Cash program. You’ll also earn a $200 cash rewards bonus if you spend $1,000 in the first three months. The 0% introductory APR applies to both balance transfers and purchases, but only lasts for 15 months, compared to Citi Double Cash’s 18-month introductory offer.

Is Citi Double Cash right for you?

If you’re looking for a simple cash reward or balance transfer card without a lot of bells and whistles, Citi Double Cash Rewards might be the best fit for you. The card has a 3% foreign transaction fee, so if you’re looking to spend abroad, you’ll want to choose another card.

Keep in mind that the Citi Double Cash card has an APR of 13.99% to 23.99% on purchases, with 0% APR for balance transfers only for 18 months. If you typically have a balance on your card, you might want to consider the Wells Fargo Active Cash Card, which has a 0% APR on purchases for 15 months. However, if you have excellent credit, Citi’s lowest APR of 13.99% is lower than the national credit card average, which can make it a solid choice if you need to maintain a balance.

Final grip

Among Citi’s many products, the Double Cash Card offers simple rewards that translate from thank you points to cash back on a 1:1 basis, where 1 point = 1 penny. The card offers flexible rewards with no annual fee and is ideal for balance transfers.

Citi Double Cash Card FAQs

Here are answers to some of the most frequently asked questions about the Citi Double Cash Card.

  • What is the Citibank Double Cash Card?
    • The Citibank Double Cash Card or Citi Double Cash Card is Citi’s simplest rewards credit card, offering twice cash back: 1% when you make a purchase and 1% when you pay your bill.
  • Does the Citi Double Cash Card have an annual fee?
    • No, the Citi Double Cash Card has no annual fee.
  • How do I increase my Citi Double Cash credit limit?
    • If you have a Citi Double Cash Card, you might be used to enjoying double the rewards with every purchase. You may come to a point where you want to increase your credit limit to make a large purchase and take advantage of those unlimited thank you points. As with most credit card companies, you can increase the credit limit on your Citi Double Cash card by calling the number on the back of your card and requesting a credit limit increase. If you’ve made all your payments on time, you have a better chance of getting a credit limit increase. The bank will assess your credit score, which includes factors such as on-time payment history and your available debt-to-credit ratio.

Editorial Note: This content is not provided by Citibank. Any opinions, analyses, criticisms or recommendations expressed in this article are those of the author alone and have not been endorsed by Citibank.

Editorial Note: This content is not provided by Citibank. Any opinions, analyses, criticisms, evaluations or recommendations expressed in this article are those of the author alone and have not been reviewed, endorsed or otherwise endorsed by Citibank.

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About the Author

Dawn Allcot is a full-time freelance writer and content marketer with interests in finance, e-commerce, technology, and real estate. His long list of publishing credits includes Bankrate, Lending Tree and Chase Bank. She is the founder and owner of, a travel, technology and entertainment website. She lives in Long Island, New York, with a veritable menagerie that includes 2 cats, a rambunctious kitten and three lizards of different sizes and personalities – plus her two children and her husband. Find her on Twitter, @DawnAllcot.


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