Citi Double Cash

welcome offer

Intro 0% APR for 18 months on balance transfers.

Bonus Cash Value

Approximately $0*

Annual Fee

$0

Card Rewards

Earn 2% cashback on all purchases now convertible to Citi ThankYou points

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.

Card Overview

The Citi Double Cash card will get your cash flowing with 2% cashback on all purchases, now convertible to Citi ThankYou points. It also has an intro 0% APR period, 18-month on balance transfers.

Card-Smart Tips & Advice
  • Good credit needed
  • You can only get approved for 1 Citi Personal Card every 8 days, and not more than 2 Citi Personal Cards every 65 days
  • Citi will usually pull your Experian credit report (If you freeze Experian you can sometimes request the reconsideration department to pull Equifax)
  • You can check your application status  here  or call 1 888 201 4523
  • If declined you can call 1 800 695 5171 to be reconsidered
Balance Transfer Terms
  • Balance transfer Fee: 3% or $10, whichever is greater
  • You cannot transfer balances from another credit card issued by Citi Bank
  • Balance transfers must be completed within 4 months of account opening
  • Beware: If you make a late payment or a payment is returned then a penalty APR may apply and you may lose the Intro APR Offer
Card Details And Benefits
  • Intro 0% APR for 18 months on balance transfers

Compare 2% Cashback Cards

 
Citi Double CashAmex Blue Business CashCapital One Spark CashCapital One Venture
Welcome offerN/A$250 after $5,000 spent in the first 3 months$500 after $4,500 spent in the first 3 months50,000 points after $3,000 spent in the first 3 months
Intro 0% APR18 months on balance transfers12 months on balance transfers and purchasesN/AN/A
Card typePersonalBusinessBusinessPersonal
Rewards2% cash back on all purchases2% cash back on up to $50,000 spent annually2% cash back on all purchases2 points on all purchases
Annual fee$0$0$95-first year waived$95
Auto rental insuranceN/ASecondary Auto rental insurancePrimary coverage for domestic and international if the rental is for business purposes and secondary coverage for personal reasons (up to 31 days)Secondary coverage for collision damage and theft on a domestic rental (up to 15 days) and primary coverage for international rentals (up to 31 days)
Extended warranty protectionN/AFor one yearDoubles the length of the manufacturer’s warranty up to one additional year ( the original warranty must be for a maximum of 3 years) up to $10,000 per claim  Doubles the length of the manufacturer’s warranty up to one additional year ( the original warranty must be for a maximum of 3 years) up to $10,000 per claim  
Purchase protectionN/AFor 90 days, covers theft or damage up to $1,000For 90 days, covers theft or damage up to $10,000 per claimFor 90 days, covers theft or damage up to $500 per claim
foreign transaction feeyesyes nono
Travel accident insuranceN/AN/AUp to $250,000Up to $250,000
Lost luggage reimbursementN/AN/AReceive up to $3,000 ($2,000 for NY residents) Receive up to $3,000 ($2,000 for NY residents)
Price protectionN/AN/AIf there’s a cheaper advertised price within 60 days then you’ll get reimbursed up to $250 per item up to $2,500 per yearN/A
$100 credit towards global entry or TSA pre-checkN/AN/AN/AYou can receive this benefit once every 4 years
 

Additional Resources

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*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 CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers.