Citi Double Cash® Card

Citibank Mastercard Pending

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11

Benefits

3

Reward Categories

5x

Max Reward

19.2%

APR From

Basic Information

PENDING

Program ID: 056

Issuer: Citibank

Card Name: Citi Double Cash® Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 06, 2026 12:31

Last Scraped: Feb 07, 2026 15:55

Home URL: Visit

SCRA Benefits (Military Members)

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of credit. The cost of credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent, including certain fees.

Rewards Program (Detailed) 3 Categories

PENDING

Category	Rate	Type	Description	Annual Cap
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.	No Cap
Top Eligible Spend Category (After Cap)	1x	Cash Back	Earn 1% cash back on purchases in your top eligible spend category after the first $500 spent each billing cycle.	No Cap
All Other Purchases	1x	Cash Back	Earn 1% cash back on all purchases that are not in your top eligible spend category.	No Cap

Rewards Summary

PENDING

Reward Type: Cash Back

Base 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 statement credit, direct deposit, or check.

Benefits & Protections (Detailed) 11 Total

PENDING

Convenience 2

Contactless Payment

Convenience

Tap to pay with your card wherever you see the contactless symbol for fast, secure transactions.

Digital Wallet Compatibility

Convenience

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

Entertainment 1

Citi Entertainment Access

Exclusive Access

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

Financial 2

No Annual Fee

There is no annual fee for this credit card.

Choose Your Own Payment Due Date

Flexibility

Select a payment due date that works best for your schedule.

Rewards 2

5% Cash Back on Top Eligible Spend Category

Up to $500 spent per billing cycle

Earn 5% cash back on purchases in your top eligible spend category each billing cycle. 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

Unlimited

Earn 1% cash back on all other purchases, and on purchases in your top eligible spend category after the first $500 spent each billing cycle.

Security 4

$0 Liability for Unauthorized Charges

$0 Liability

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

Account Alerts

Real-time Notifications

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

Citi Identity Theft Solutions

Assistance Service

Get assistance if your identity is stolen, including help with reporting fraud and replacing important documents.

Lost Wallet Service

Assistance Service

If your wallet is lost or stolen, Citi can help you get an emergency card and assist with other important tasks.

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

Fee Structure

PENDING

Annual Fee:	$0.00
Year 1 Waived:	No
Effective Annual Fee:	$0.00
Min Interest Charge:	$0.50

Additional Fees

PENDING

Late Fee:	$41.00
Returned Payment:	$41.00
Balance Transfer:	Either $5 or 3% 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: 19.24% - 29.24%

Balance Transfer APR: 19.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 12 months

Intro BT APR: 0% for 21 months

Approval Criteria & Requirements

PENDING

Credit Score Requirements

Recommended FICO Score

670 - 850

Approval Odds

Very Good

Soft Pull Support

Supported

Application Process

Prequalification

Available

Preapproval

Available

Credit Bureau

Experian, Equifax, TransUnion

Issuer Rules & Policies

PENDING

Rules: Eligibility for a new cardmember bonus is restricted. Applicants must be 18 years or older with a valid SSN/ITIN and good credit history. A key rule is Citibank's 24-month bonus eligibility restriction: you are not eligible for a new cardmember bonus if you have received a bonus for, or opened or closed, any card within the same product family (e.g., ThankYou Rewards cards, AAdvantage cards) in the past 24 months. Additionally, Citibank has an application velocity rule, often referred to as the '8/65' rule, limiting new applications to no more than 2 cards in 8 days and no more than 8 cards in 65 days.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, rapid application velocity (e.g., violating 8/65 rule), high cumulative credit limit across all Citibank products, opening and closing accounts too quickly after receiving a bonus, suspicious spending patterns, or repeated abuse of bonus offers.

Cliff Effect Rules: The primary 'cliff effect' is Citibank's 24-month rule. Eligibility for a new cardmember bonus is tied to your activity (receiving a bonus, opening, or closing) on *any* card within the specific product family (e.g., all ThankYou Rewards cards like Premier, Custom Cash, Double Cash are often considered one family for this rule) over the preceding 24 months. This means activity on one card in the family can prevent you from getting a bonus on another card in the same family.

Special Events: Not applicable for general-purpose Citibank credit cards; this field is more relevant for dedicated retail store cards.

Holiday Promos: Sporadic, often around major shopping holidays (e.g., Black Friday, Cyber Monday, year-end) or during peak travel seasons, where enhanced sign-up bonuses or spending offers may be available.

International Friendly: Yes

User Analytics & Insights

PENDING

User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Strong rewards program, good fraud protection, and reliable mobile app.

Top Negative:
Occasional customer service wait times, high APR for some users, and complex reward redemption process.

Approval Experience: 75.0 / 100

Recommended Alternatives

Citi Double Cash Card
Citi Premier Card
Chase Freedom Unlimited

Card Value Score: 70.0 / 100

Est. Annual Rewards: $300.00

Approval Probability: 75.0%

Version Control

PENDING

Version ID: v1.0

⚠️ Change Alert: Terms recently updated, see summary of changes.

Summary of Changes:

This document has been updated to reflect changes to the following terms: - The APR for Cash Advances will be 29.99%. - The APR for Purchases will be 20.99% or 22.99% or 24.99% or 26.99% or 28.99% or 29.99%. - The APR for Balance Transfers will be 20.99% or 22.99% or 24.99% or 26.99% or 28.99% or 29.99%. - The APR for Citi Flex Plan will be 20.99% or 22.99% or 24.99% or 26.99% or 28.99% or 29.99%.