🚀 Our new App is live!  Signup

🔥 Insane offer! 120,000 points! Grab it

Advertiser Disclosure

Advertiser Disclosure

Although we put in a lot of effort to give our readers unbiased information, and we include many credit card offers on our website for which we do not get paid any compensation, we are legally required to notify you that we may be receiving compensation from some of the credit card companies mentioned on our website.

Some of the credit card offers which appear on helpmebuildcredit.com are from credit card companies from which this site possibly receives compensation. This compensation may impact how and where credit card offers appear on this site. This site possibly does not include all available credit card offers.

 

Close
Stay updated on new credit card offers

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

welcome offer

Earn $200 cashback after spending $1,500 within the first 6 months. Plus, earn 5% cashback on car rentals, hotels, and attractions booked through the Citi Travel(SM) portal through 12/31/24. Intro 0% APR for 18 months on balance transfers (after that 19.24% to 29.24% variable). The balance transfer fee is 3% or $5, whichever is greater. See more info below.

Bonus Value

Approximately $0

Annual Fee

$0

Card Rewards

2% cashback on all purchases now convertible to Citi ThankYou points. 1% when you swipe and another 1% when you pay. To earn cashback, you must at least pay the minimum due on time.

Add to compare

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Author - Sam Updated: June 10, 2024 | Credit Card Review
Card Overview

The card_name will get your cash flowing with 2% cashback on all purchases, now convertible to Citi ThankYou points.

Card-Smart Tips & Advice
  • Max cards: Citi will only approve you for one personal card every 8 days, and only 2 Citi personal cards within 65 days
  • Credit bureau: Citi will usually pull your Experian credit report, sometimes Equifax, and sometimes Experian and Equifax  (depending on your state, search your state in our credit card database)
  • If you freeze your Experian credit report you can sometimes request the reconsideration department to pull your Equifax credit report
  • Combining same-day credit inquiries: Credit inquiries for all Personal Citi cards will be combined; also, credit inquiries for all Business Citi cards will be combined. Credit inquiries for Personal and Business card applications will not be combined. Note, you cannot get approved for more than one Citi personal card within 8 days (Combining credit inquiries will only make a difference when declined for your first try and you want to try a new one)
  • Application status: You can check your application status  here  or call 1 888 201 4523
  • Reconsideration: If declined you can call 1 800 695 5171 to be reconsidered
  • Quickest way to get my card: Citi will offer instant credit card numbers only on some cards (Custom Cash, Costco cards applied for in-store, AA, AT&T). Citi physical credit cards cannot be expedited and will arrive after 7-10 business days

Approval Monitor (submitted by HelpMeBuildCredit users)

78% Approved
742 Avg. Score of those approved
22% Denied
Approved 78% (102)
Denied 22% (29)

Credit limit range $500-$22,000

Avg. Credit limit$6,789

Approved 78% (102)
Denied 22% (29)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application

Balance Transfer Terms
  • Balance transfer Fee: Intro fee for 3% or $5, whichever is greater for transfers completed within the first 4 months after that the fee. After that, your fee will be 5% of each transfer (minimum $5)
  • You cannot transfer balances from another credit card issued by Citi Bank
  • Balance transfers must be completed within 4 months of account opening
  • Late payment fee: See terms
Card Details And Benefits
How can the points be used?
Cashback

The points can be redeemed as cashback for 1 penny per point.

Transfer to airline and hotel programs

If you only have the Citi Double Cash® Card then you cannot transfer your points to any partners.

But if you also have the Citi Strata Premier Card or the Citi Prestige, then you can transfer your points to one of these cards and then transfer your points to any of the following airline or hotel partners.

Airline partners:

Transfer Ratio Transfer Time
Aeromexico – Club Premier 1:1 Instant
Air France, KLM – Flying Blue 1:1 Instant
Avianca – LifeMiles 1:1 Instant
Cathay Pacific – Asia Miles 1:1 Instant
Emirates – Skywards 1:1 Instant
Etihad Guest 1:1 Instant
EVA Air Infinity MileageLands 1:1 2 days
JetBlue – TrueBlue 1:1 Instant
Qantas Frequent Flyer  1:1 Instant
Qatar Airways Privilege Club 1:1 2 days
Singapore Airlines  -KrisFlyer 1:1 2 days
Thai Airways – Royal Orchid Plus 1:1 4 days
Turkish Airlines – Miles & Smiles  1:1 Instant
Virgin Atlantic – FlyingClub 1:1 Instant

Hotel partners:

Ratio Transfer Time
Choice Privileges 2:1 Instant
Wyndham Rewards 1:1 24 hours

People also viewed:

image

Ink Business Premier

image

Blue Business Cash

image

Spark Miles Business

image

Spark Cash Plus

image

Synchrony Premier

image

TD Business Solutions

image

Wells Fargo Active Cash

image

SoFi 2% Card

image

Divvy Corporate

image

Santander Cash Back

image

Home Depot Consumer

image

Verizon Visa

image

Cash Visa Signature

image

Plum Card®

image

Savor Rewards

*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

Receive details of all new credit card offers, right in your inbox.

success_icon

Download link sent
succesfully

Got it * please check your promotional inbox
fail_icon

Error sending download link

Try Again