6
Benefits11
Reward Categories5x
Max Reward20.5%
APR FromBasic Information
PENDINGProgram ID: 089
Issuer: Citibank
Card Name: Citi Double Cash® Card
Card Type: Credit
Network: Mastercard
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Citi offers benefits to eligible active duty Servicemembers, their spouses, and dependents under the Servicemembers Civil Relief Act (SCRA), including reduced interest rates on eligible credit card accounts.
Rewards Program (Detailed) 11 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Restaurants | 5x | Cash Back | Earns 5% cash back if 'Restaurants' is your highest eligible spend category in a billing cycle, up to $500 spent in that category. Purchases beyond the cap or if this is not the top category earn 1% cash back. | No Cap | |
| Gas Stations | 5x | Cash Back | Earns 5% cash back if 'Gas Stations' is your highest eligible spend category in a billing cycle, up to $500 spent in that category. Purchases beyond the cap or if this is not the top category earn 1% cash back. | No Cap | |
| Grocery Stores | 5x | Cash Back | Earns 5% cash back if 'Grocery Stores' is your highest eligible spend category in a billing cycle, up to $500 spent in that category. Purchases beyond the cap or if this is not the top category earn 1% cash back. | No Cap | |
| Select Travel | 5x | Cash Back | Earns 5% cash back if 'Select Travel' is your highest eligible spend category in a billing cycle, up to $500 spent in that category. Purchases beyond the cap or if this is not the top category earn 1% cash back. | No Cap | |
| Select Transit | 5x | Cash Back | Earns 5% cash back if 'Select Transit' is your highest eligible spend category in a billing cycle, up to $500 spent in that category. Purchases beyond the cap or if this is not the top category earn 1% cash back. | No Cap | |
| Streaming Services | 5x | Cash Back | Earns 5% cash back if 'Streaming Services' is your highest eligible spend category in a billing cycle, up to $500 spent in that category. Purchases beyond the cap or if this is not the top category earn 1% cash back. | No Cap | |
| Drugstores | 5x | Cash Back | Earns 5% cash back if 'Drugstores' is your highest eligible spend category in a billing cycle, up to $500 spent in that category. Purchases beyond the cap or if this is not the top category earn 1% cash back. | No Cap | |
| Home Improvement Stores | 5x | Cash Back | Earns 5% cash back if 'Home Improvement Stores' is your highest eligible spend category in a billing cycle, up to $500 spent in that category. Purchases beyond the cap or if this is not the top category earn 1% cash back. | No Cap | |
| Fitness Clubs | 5x | Cash Back | Earns 5% cash back if 'Fitness Clubs' is your highest eligible spend category in a billing cycle, up to $500 spent in that category. Purchases beyond the cap or if this is not the top category earn 1% cash back. | No Cap | |
| Live Entertainment | 5x | Cash Back | Earns 5% cash back if 'Live Entertainment' is your highest eligible spend category in a billing cycle, up to $500 spent in that category. Purchases beyond the cap or if this is not the top category earn 1% cash back. | No Cap | |
| All Other Purchases | 1x | Cash Back | Earns 1% cash back on all purchases not eligible for 5% cash back, and on purchases in 5% categories after the $500 billing cycle cap is reached or if they are not the top category. | No Cap |
Rewards Summary
PENDINGReward 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 $25 in cash back rewards required for redemption.
Benefits & Protections (Detailed) 6 Total
PENDINGLifestyle 1
Citi Entertainment Access
Access to exclusive eventsAccess to presale tickets and exclusive experiences for thousands of events, including concerts, sporting events, and dining experiences.
Rewards 2
5% Cash Back on Top Spend Category
Up to $500 spent per billing cycleEarn 5% cash back on purchases in your top eligible spend category each billing cycle, automatically. 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
Earn 1% cash back on all other purchases outside of your top eligible spend category.
Security 3
Zero Liability Fraud Protection
Full protectionYou will not be held responsible for unauthorized charges made with your card.
Lost Wallet Service
Replacement card and emergency cash assistanceIf your card is lost or stolen, Citi can help you get a replacement card and emergency cash.
Identity Theft Solutions
Assistance with identity theftAssistance with identity theft resolution, including help with credit bureau notifications and replacing compromised documents.
Benefits Summary (Flags)
PENDINGExtended 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
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
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
PENDINGStandard APR
Purchase APR: 20.49% - 29.49%
Balance Transfer APR: 20.49%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 12 months
Intro BT APR: 0% for 12 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Bonus Eligibility: Applicants are generally ineligible for a welcome bonus if they have received a bonus or closed a card within the same product family (e.g., ThankYou, American Airlines) in the last 24 months. Application Rules: Citibank typically enforces a '1/8' rule (no more than one application for any Citi card within 8 days), a '2/65' rule (no more than two applications for personal Citi cards within 65 days), and a '1/90' rule (no more than one application for a Citi business card within 90 days). These rules are subject to change but are projected to remain consistent for 2026.
Max Cards Per Issuer: 6
Min Spend Interval: 3 months
Cliff Effect Rules: Citibank enforces 'card family' rules, meaning that eligibility for a welcome bonus is tied to other cards within the same product ecosystem (e.g., all ThankYou Points cards, all American Airlines co-branded cards). The 24-month rule (and sometimes 48-month for premium products) applies across these families, preventing bonus eligibility on any card within that family if a bonus was received or an account closed within the specified timeframe.
Special Events: N/A
Holiday Promos: N/A
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.0 / 5.0
Top Positive:
Widely accepted, strong mobile app, competitive rewards on popular cards, good customer service.
Top Negative:
High APRs for some, occasional customer service wait times, foreign transaction fees on some cards, complex rewards structures for certain products.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Citi Custom Cash Card
- Citi Premier Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $225.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: 089-0224