Citi Double Cash® Card

Citibank Mastercard Pending

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11

Benefits

10

Reward Categories

5x

Max Reward

19.2%

APR From

Basic Information

PENDING

Program ID: 093

Issuer: Citibank

Card Name: Citi Double Cash® Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 06, 2026 12:54

Last Scraped: Feb 07, 2026 15:58

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Citibank offers benefits and protections under the Servicemembers Civil Relief Act (SCRA), including potential interest rate reductions for eligible Servicemembers on existing credit card accounts.

Rewards Program (Detailed) 10 Categories

PENDING

Category	Rate	Type	Description	Annual Cap
Restaurants	5x	Cash Back	Earn 5% cash back on purchases at restaurants, up to the first $500 spent in your top eligible spend category each billing cycle.	No Cap
Gas Stations	5x	Cash Back	Earn 5% cash back on purchases at gas stations, up to the first $500 spent in your top eligible spend category each billing cycle.	No Cap
Grocery Stores	5x	Cash Back	Earn 5% cash back on purchases at grocery stores, up to the first $500 spent in your top eligible spend category each billing cycle.	No Cap
Select Travel	5x	Cash Back	Earn 5% cash back on select travel purchases, up to the first $500 spent in your top eligible spend category each billing cycle.	No Cap
Select Transit	5x	Cash Back	Earn 5% cash back on select transit purchases, up to the first $500 spent in your top eligible spend category each billing cycle.	No Cap
Drugstores	5x	Cash Back	Earn 5% cash back on purchases at drugstores, up to the first $500 spent in your top eligible spend category each billing cycle.	No Cap
Home Improvement Stores	5x	Cash Back	Earn 5% cash back on purchases at home improvement stores, up to the first $500 spent in your top eligible spend category each billing cycle.	No Cap
Fitness Clubs	5x	Cash Back	Earn 5% cash back on purchases at fitness clubs, up to the first $500 spent in your top eligible spend category each billing cycle.	No Cap
Live Entertainment	5x	Cash Back	Earn 5% cash back on live entertainment purchases, up to the first $500 spent in your top eligible spend category each billing cycle.	No Cap
All Other Purchases	1x	Cash Back	Earn unlimited 1% cash back on all other purchases.	No Cap

Rewards Summary

PENDING

Reward Type: Cash Back

Base Rate: 2x

Quarterly Rotating: No

Expiration Policy: Cash back doesn't expire as long as your account is open.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 11 Total

PENDING

Financial 3

Introductory APR on Purchases

0% Intro APR for 15 months on purchases

Enjoy a 0% Intro APR on purchases for 15 months from account opening. After the introductory period, a variable APR of 19.24% - 29.24% will apply, based on creditworthiness.

Introductory APR on Balance Transfers

0% Intro APR for 15 months on balance transfers

Enjoy a 0% Intro APR on balance transfers for 15 months from the date of your first transfer. Balance transfers must be completed within 4 months of account opening. After the introductory period, a variable APR of 19.24% - 29.24% will apply, based on creditworthiness. An intro balance transfer fee of 3% (minimum $5) applies for transfers completed within 4 months; thereafter, the fee is 5% (minimum $5).

No Annual Fee

No annual fee

There is no annual fee associated with this credit card.

Lifestyle 1

Citi Entertainment®

Exclusive access to events and presale tickets

Gain access to presale tickets and exclusive experiences for thousands of concerts, sporting events, dining experiences, and more.

Rewards 2

5% Cash Back on Top 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, then 1% cash back thereafter. 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

1% cash back

Earn 1% cash back on all other purchases outside of your top eligible spend category and after the $500 limit is reached in your top category.

Security 4

Fraud Protection / Zero Liability

Zero liability for unauthorized charges

You are protected against unauthorized charges made with your card. Citi's Zero Liability policy ensures you will not be held responsible for such charges.

Citi Identity Theft Solutions

Identity theft assistance

Receive assistance with identity theft resolution, including help with credit bureau notifications, replacing important documents, and other support services.

Lost Wallet® Service

Emergency card replacement and cash advance

If your card is lost or stolen, Citi can help you get an emergency card replacement and a cash advance, typically within 24 hours, to ensure you have access to funds.

Citi Quick Lock

Instant card lock for new purchases

Instantly block new purchases on your card with Citi Quick Lock through the Citi Mobile App or online, while allowing recurring transactions to continue. This provides immediate control over your account security.

Welcome Offer 1

Cash Back Welcome Bonus

$200 cash back

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.

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 will be applied to your account after you have met the purchase requirement.

Fee Structure

PENDING

Annual Fee:	$95.00
Year 1 Waived:	No
Effective Annual Fee:	$95.00
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 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%

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

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 the new cardmember bonus for '093' requires that you have not received a bonus for this specific card product or any card within its associated product family within the last 24 months. This rule applies even if you product changed or closed a card within that family. Application velocity rules are also enforced: generally, you can apply for a maximum of one Citibank credit card every 8 days and no more than two Citibank credit cards within a 65-day period. Applicants must meet Citibank's standard creditworthiness criteria, including a strong credit history, sufficient income, and a reasonable debt-to-income ratio.

Max Cards Per Issuer: 7

Min Spend Interval: 3-6 months

Shutdown Risk Triggers: Manufactured spending (especially large volumes or rapid cycling), high cumulative credit limit across all Citibank products, rapid application for multiple cards (violating 8/65 rule), defaulting on other Citibank or external accounts, unusual spending patterns inconsistent with declared income, not using the card after meeting the bonus spend, frequent product changes without significant spend, and opening/closing accounts too rapidly (churning).

Cliff Effect Rules: The primary cliff effect rule is the 24-month bonus eligibility restriction. If you receive a bonus on any card within a specific product family (e.g., ThankYou, Double Cash, etc.), you are ineligible for a bonus on any other card within that same family for 24 months from the date the bonus was received. This means strategizing which card to apply for within a family is crucial to maximize bonus potential over time.

Special Events: N/A - This card (093) is assumed to be a general-purpose credit card, not a store-specific co-branded card.

Holiday Promos: N/A - Specific holiday promotions vary annually and are not tied to the core rules of a generic card product like 093.

International Friendly: Yes

User Analytics & Insights

PENDING

User Ratings

Average Rating: 4.0 / 5.0

Top Positive:
Reliable customer service, competitive rewards structure, and widely accepted.

Top Negative:
High APR for some users, occasional complexity in rewards redemption, and limited premium benefits compared to higher-tier cards.

Approval Experience: 80.0 / 100

Recommended Alternatives

Citi Double Cash Card
Citi Custom Cash Card
Chase Freedom Unlimited

Card Value Score: 70.0 / 100

Est. Annual Rewards: $250.00

Approval Probability: 75.0%

Version Control

PENDING

Version ID: v.2024.06