If you’re looking for a simple, rewarding credit card with no annual fee and a reliable cashback structure, the Citi Double Cash Card could be the right fit. With double cashback and minimal maintenance, it’s a top choice for people who want to earn while spending responsibly. Here’s what you need to know about how to apply and whether this card is right for you.
Fees and Interest Rates
One of the biggest perks of the Citi Double Cash Card is its $0 annual fee—you won’t pay anything to keep the card active. In addition, it offers a 0% intro APR for 18 months on balance transfers made within the first 4 months of account opening. This makes it one of the most generous intro APR periods currently available.
After the promotional period ends, the regular APR ranges from 18.24% to 28.24% variable, depending on your credit profile and market conditions.
However, international travelers may want to think twice: there is a 3% foreign transaction fee on all purchases made outside the U.S., which can add up if you travel often.
For balance transfers, there’s a 3% fee during the first 4 months, which increases to 5% thereafter. Late payments may result in penalties and higher variable APRs, so it’s important to stay on top of your due dates.
Who Can Apply?
To qualify for the Citi Double Cash Card, you typically need a good credit score (FICO 670 or higher). Applicants must also be at least 18 years old, U.S. permanent residents, and have a valid SSN or ITIN.
There’s no requirement to have a Citibank checking account or a stated minimum income, although your overall creditworthiness, including income and existing debt, will be considered in the application process.
How to Apply
You can apply for the Citi Double Cash Card directly through the Citibank website or mobile app. Citi also provides a pre-qualification tool that allows you to check your chances of approval without impacting your credit score—an excellent way to avoid unnecessary hard inquiries.
If you’re eligible, you’ll be prompted to fill out a short application with your personal, financial, and employment information. Approvals are often processed quickly, and if approved, you may receive a virtual card number to use immediately while your physical card is on its way.
Is Citi Double Cash Worth It?
The Citi Double Cash Card is one of the most attractive flat-rate cashback cards on the market. Its 2% total cashback (1% when you buy and 1% when you pay) structure is easy to understand and rewarding, especially for those who pay off their balances regularly.
While the card doesn’t offer premium travel benefits or airline miles, its straightforward rewards program, no annual fee, and long 0% APR period make it a solid option for everyday spending and balance transfers.
If you value simplicity and reliability in your credit card rewards, the Citi Double Cash is absolutely worth considering—especially if you plan to use it primarily for domestic purchases.
All information in this and other BOISLA articles is subject to change over time. Please check for updates directly with the institutions and companies mentioned. Approval is subject to the institution’s review.
REFERENCES:
Read more about credit cards in https://boisla.com/category/credit-cards/
