Citi Double Cash® Card

Citibank Mastercard Pending

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9

Benefits

2

Reward Categories

5x

Max Reward

20.2%

APR From
Basic Information
PENDING

Program ID: 051

Issuer: Citibank

Card Name: Citi Double Cash® Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 06:27

Last Scraped: Feb 07, 2026 16:10

Apply URL: Visit

Home URL: Visit

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, 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. After $500 spent in the top category, earn 1% cash back. No Cap
All Other Purchases 1x Cash Back Earn 1% cash back on all other purchases outside of your top eligible spend category and after the $500 monthly cap is reached in your top category. No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 5x

Categories: 5x on purchases in your top eligible spend category each billing cycle from a list including Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, and Live Entertainment

Quarterly Rotating: No

Cap Amount: $6,000.00

Expiration Policy: Points do not expire as long as your account is open and in good standing. If you close your account, you will have 60 days to redeem your points.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Minimum redemption thresholds may apply for certain redemption options (e.g., 2,500 points for $25 cash back)

Benefits & Protections (Detailed) 9 Total
PENDING
Lifestyle 1
Citi Entertainment
Access to presale tickets and exclusive experiences

Access to presale tickets and exclusive experiences for thousands of events annually, including concerts, sporting events, dining experiences, and more.

Rewards 3
5% Cash Back on Top Eligible Spend Category
5% cash back on up to $500 spent per billing cycle

Earn 5% cash back 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 Top Eligible Spend Category (after limit)
1% cash back after $500 spent per billing cycle in top category

After you've reached the $500 spending limit in your top eligible spend category each billing cycle, you will earn 1% cash back on additional purchases within that category.

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

Earn an unlimited 1% cash back on all other purchases outside of your top eligible spend category.

Security 4
Fraud Protection
Protection against unauthorized charges

Citi monitors your account for suspicious activity and provides protection against unauthorized charges.

Zero Liability
No liability for unauthorized charges

You will not be held responsible for unauthorized charges made with your card.

Account Alerts
Customizable alerts for account activity

Receive customizable alerts via email or text message for important account activity, such as large purchases, balance updates, or payment due dates.

Online Account Management
24/7 access to account management

Manage your account 24/7 online or through the Citi Mobile App, including viewing statements, making payments, and tracking rewards.

Shopping 1
Digital Wallet Compatibility
Compatible with major digital wallets

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

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 account within 1-2 billing cycles after you have met the purchase 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 balance 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: 20.24% - 28.24%

Balance Transfer APR: 20.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 15 months

Intro BT APR: 0% for 15 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Very Good
Supported
Application Process
Available
Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the welcome bonus on the '051' card requires the applicant to be a new cardmember for this specific product. Furthermore, the applicant must not have received a welcome bonus for any card within the same product family (e.g., ThankYou, AAdvantage, etc.) in the past 24 months. This 24-month restriction also applies to product conversions or upgrades within the same family. Applicants must meet Citibank's creditworthiness criteria.

Max Cards Per Issuer: 8

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Citi products, excessive credit seeking (multiple applications in a short period), bust-out risk (maxing out cards and not paying), unusual spending patterns inconsistent with declared income, defaulting on other Citibank products, or account inactivity followed by large transactions.

Cliff Effect Rules: The primary 'cliff effect' is Citibank's 24-month rule. If you receive a welcome bonus on any card within a specific product family (e.g., a Citi ThankYou Premier card), you are ineligible to receive another welcome bonus on *any other card within that same ThankYou product family* (e.g., Citi Rewards+, Citi Custom Cash, or even another Premier) for 24 months from the date the bonus was awarded. This rule applies regardless of whether you close the original card or convert it. It is crucial to track bonus award dates across all Citi product families to avoid being denied a bonus.

Special Events: N/A (This card is not identified as a store-specific co-branded card)

Holiday Promos: Citibank typically runs various promotional campaigns throughout the year, often coinciding with major shopping holidays such as Black Friday, Cyber Monday, and end-of-year spending seasons. Specific card-linked offers may also appear during these times.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Strong rewards programs, good sign-up bonuses, widely accepted, useful mobile app.

Top Negative:
Customer service can be inconsistent, high APRs for some, foreign transaction fees on some cards.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Discover it Cash Back
  • Capital One Quicksilver

Card Value Score: 70.0 / 100

Est. Annual Rewards: $350.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0