Citi Double Cash® Card
Basic Information
Program ID: 089
Issuer: Citibank
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 05:20
Last Scraped: 01/15/2026 04:47
Fee Structure
| Annual Fee: | $695.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $395.00 |
| Authorized User Fee: | $175.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| 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
Purchase APR Range: 2,024.00% - 2,824.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,024.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $20,000.00
Spending Requirement: $1,500.00
Time Period: 180 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Rewards Program
Reward Type: ThankYou Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Hotels, 3x Air Travel, 3x Restaurants, 3x Supermarkets, 3x Gas Stations
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: Avianca LifeMiles, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, Cathay Pacific Asia Miles, Etihad Guest, Flying Blue (Air France-KLM), JetBlue TrueBlue, Singapore Airlines KrisFlyer, Wyndham Rewards, Choice Privileges
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
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: For 2026, Citibank's primary bonus eligibility rule for '089' (and similar personal cards) is the 24-month rule: Applicants are generally not eligible for a new cardmember bonus if they have received a bonus for a card within the same product family (e.g., ThankYou, AAdvantage, Custom Cash), or closed a card within the same product family, in the past 24 months. Application velocity rules typically include an 8/65 rule for personal cards (no more than 1 personal card application in 8 days, and no more than 2 personal card applications in 65 days). Business card applications are generally limited to one every 90 days. A good to excellent credit score (typically 670+ FICO) is required for approval.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months (some premium offers may extend to 6 months)
Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases, payment of rent/mortgage via credit card for points), high cumulative credit limit across all Citibank products, rapid credit cycling, defaulting on other Citibank accounts, suspicious account activity, applying for excessive credit across multiple issuers in a short period, not using the card after meeting the bonus spend, or repeated product changes followed by bonus eligibility attempts.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Users appreciate the competitive rewards program, especially for specific spending categories, and find the mobile app user-friendly.
Top Negative Feedback:
Some users report high interest rates if balances are carried, and occasional issues with reward redemption clarity.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Citi Custom Cash Card
- Chase Freedom Unlimited
Card Value Score: 75.0 / 100
Est. Annual Rewards: $275.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 85% General / 15% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 65.0%
Terms Version Control
Version ID: v1.0
Last Updated: 01/01/2024 00:00