Citi Double Cash® Card

Citibank Mastercard Pending

Back Apply Now

10

Benefits

2

Reward Categories

5x

Max Reward

18.2%

APR From
Basic Information
PENDING

Program ID: 009

Issuer: Citibank

Card Name: Citi Double Cash® Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 06:48

Last Scraped: Feb 07, 2026 16:26

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Citibank offers SCRA benefits including a reduced interest rate of 0% APR on existing balances for eligible accounts opened prior to active duty, and 4% APR on new purchases and cash advances made during active duty. To request SCRA benefits, call 1-877-804-1082.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Top Eligible Spend Category 5x Cash Back Earn 5% cash back on purchases in your top eligible spend category each billing cycle. Eligible categories include Restaurants, Gas Stations, Grocery Stores, Travel, Transit, Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, and Live Entertainment. No Cap
All Other Purchases 1x Cash Back Earn 1% cash back on all other purchases outside of your top eligible spend category. No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 1x

Bonus Rate: 2x

Quarterly Rotating: No

Expiration Policy: Cash back rewards do not expire as long as your account is open.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Minimum redemption amount of $25 for cash back.

Benefits & Protections (Detailed) 10 Total
PENDING
Account Management 2
Customizable Account Alerts
Customizable alerts for account activity

Receive alerts via email or text message for various account activities, such as large purchases, balance updates, or payment due dates, to help you stay on top of your spending and account security.

Online Account Access
24/7 online account management

Manage your account 24/7 online, view statements, make payments, track rewards, and access other account services.

Financial 3
No Annual Fee
No annual fee

There is no annual fee for this credit card.

Introductory APR on Purchases
0% Intro APR for a limited period on purchases

Enjoy 0% Intro APR on purchases for a specified period from account opening. After the introductory period, a variable APR will apply.

Introductory APR on Balance Transfers
0% Intro APR for a limited period on balance transfers

Enjoy 0% Intro APR on balance transfers for a specified period from account opening. Balance transfers must be completed within a certain timeframe and a balance transfer fee applies. After the introductory period, a variable APR will apply.

Lifestyle 1
Digital Wallet Compatibility
Compatible with Apple Pay, Google Pay, Samsung Pay

Easily add your card to Apple Pay®, Google Pay™, and Samsung Pay for secure and convenient payments.

Rewards 2
5% Cash Back on Top Eligible Spend Category
5% cash back on up to $500 spent per billing cycle in top category

Earn 5% cash back (as ThankYou Points) on purchases in your top eligible spend category each billing cycle, up to the first $500 spent. Eligible categories include Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, and Live Entertainment.

1% Cash Back on All Other Purchases
1% cash back on all other purchases

Earn 1% cash back (as ThankYou Points) on all other purchases outside of your top eligible spend category and after the $500 cap is reached in your top category.

Security 2
$0 Liability on Unauthorized Charges
$0 liability for unauthorized charges

You are not responsible for unauthorized charges made with your card or account information.

Citi Identity Theft Solutions
Identity theft assistance

Assistance with identity theft resolution services if your identity is stolen.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
PENDING

$200

Cash Back

Requirement: Spend $1,500 in 180 days

Timing: Bonus ThankYou® Points will be posted to your ThankYou® Account within 1 to 2 billing cycles after you have met the spend requirement.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $0.50
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 18.24% - 28.24%

Balance Transfer APR: 18.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 21 months

Intro BT APR: 0% for 21 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Very Good
Supported
Application Process
Available
Available
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility for the '009' card bonus requires that the applicant has not received a new cardmember bonus for the '009' card family (or a similar/related product) within the past 24 months. Citibank's general application rules also apply, typically limiting new card applications to no more than 1 card in 8 days and no more than 2 cards in 65 days. Applicants must meet standard creditworthiness criteria, including a good to excellent credit score and sufficient income.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Citibank products, rapid cycling of credit, sudden drastic changes in spending patterns, applying for excessive credit in a short period (app-o-rama), non-payment or late payments, suspected fraud, or violation of terms and conditions.

Cliff Effect Rules: The 24-month rule applies to the '009' card family. This means you are ineligible for a new cardmember bonus on the '009' card (or any card within its designated product family) if you have received a new cardmember bonus for that family in the past 24 months. This rule resets from the date the previous bonus was earned, not the application date.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Strong sign-up bonuses, diverse reward categories, and reliable customer service are frequently highlighted.

Top Negative:
Some users report high APRs, complex reward redemption processes, and occasional foreign transaction fees.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • Citi Double Cash Card
  • Citi Custom Cash Card
  • Citi Premier Card

Card Value Score: 75.0 / 100

Est. Annual Rewards: $400.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: CITI-CC-AGR-20231026-V2.1

Last Updated: Oct 26, 2023 00:00

⚠️ Change Alert: Terms recently updated.

Summary of Changes:

The following is a summary of changes to the Citibank Credit Card Agreement effective October 26, 2023. Please review the full Agreement carefully. The interest rate for new purchases and cash advances has been updated. The late payment fee has been updated.