Citi Double Cash® Card
Basic Information
Program ID: 056
Issuer: Citibank
Card Type: Credit
Network: Mastercard
Card Tier: World Elite Mastercard
Data Complete: Yes
Created: 01/06/2026 12:31
Last Scraped: 01/15/2026 04:40
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| 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
Purchase APR Range: 1,924.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 12 months
Balance Transfer APR: 1,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 12 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $75,000.00
Spending Requirement: $4,000.00
Time Period: 90 days
Bonus Timing: Bonus points will appear on your statement 1-2 billing cycles after you meet the spending requirement. This typically means 8-12 weeks, but often sooner.
Rewards Program
Reward Type: ThankYou Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Supermarkets, 3x Restaurants, 3x Gas Stations, 3x Air Travel, 3x Hotels
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as the account is active and in good standing.
Transfer Partners: Air France-KLM Flying Blue, Avianca LifeMiles, Cathay Pacific Asia Miles, Emirates Skywards, EVA Air Infinity MileageLands, JetBlue TrueBlue, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, Choice Privileges, Wyndham Rewards
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for a welcome bonus on Citibank '056' requires applicants to not have received a bonus on this specific card or any card within the same product family, nor have closed such an account, within the past 24 months. New applications are generally limited to one card every 8 days and no more than two cards every 65 days. Applicants must have good to excellent credit, be at least 18 years old, and a US resident.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Citibank products, rapid application for multiple cards, sudden drastic changes in spending patterns, excessive credit cycling, defaulting on payments, suspicious account activity, or prolonged inactivity after bonus fulfillment.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Users appreciate the straightforward rewards structure and reliable mobile app for managing their account.
Top Negative Feedback:
Some users report high interest rates and occasional issues with customer service wait times.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Citi Custom Cash Card
- Chase Freedom Unlimited
Card Value Score: 65.0 / 100
Est. Annual Rewards: $225.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 80% General / 20% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0
Last Updated: 05/01/2024 00:00