The Citi Double Cash Card is a smart choice for anyone looking for a straightforward way to earn cashback—without categories, rotating rewards, or spending limits. With this card, you get rewarded twice: once when you make a purchase and again when you pay it off. It’s simple, efficient, and designed to put money back in your pocket with minimal effort. Here’s what you need to know before applying.
Cashback Program
True to its name, Citi Double Cash gives you double cashback on every purchase. You earn 1% cashback when you buy and another 1% when you pay your balance. That means as long as you’re making timely payments, you’re getting a total of 2% cashback—no enrollment, no tracking bonus categories, and no limits on how much you can earn.
For a limited time, new cardholders can also enjoy 5% cashback on hotels, car rentals, and select attractions booked through the Citi Travel portal, giving your travel spending even more value.
There’s no expiration date on your rewards as long as your account remains open and in good standing. This makes it easy to accumulate and redeem cashback at your own pace, whether you want to use it right away or save it for larger purchases.
Bonuses and Extra Perks
The Citi Double Cash also comes with a Welcome Bonus: earn $200 cash back (or 20,000 ThankYou® Points) after spending $1,500 in the first 6 months of account opening. You can redeem these points in a variety of ways, including as a statement credit, direct deposit, check, gift cards, travel bookings, or even purchases on Amazon.
Along with cashback and promotional offers, Citi Double Cash provides:
- Zero Liability Protection for unauthorized charges, with 24/7 fraud monitoring;
- Access to Citi Entertainment, including exclusive presale tickets, VIP event access, and special experiences;
- Extended Warranty Protection on eligible items purchased with the card;
- Flexible cashback redemption options, including as a credit on your statement, direct bank deposit, check, or through Citi’s ThankYou Points program.
