Citi Double Cash® Card
Basic Information
Program ID: 142
Issuer: Citibank
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 05:18
Last Scraped: 01/15/2026 04:45
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: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 12 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 12 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: Bonus points are typically credited to your account within 1-2 billing cycles after you meet the spending requirement. While the official timeframe is longer, points often appear much sooner, sometimes within a few days of the statement closing where the requirement was met.
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: Avianca LifeMiles, Cathay Pacific Asia Miles, Emirates Skywards, Etihad Guest, EVA Air Infinity MileageLands, Flying Blue (Air France-KLM), JetBlue TrueBlue, Qantas Frequent Flyer, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, Wyndham Rewards, Choice Privileges
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the bonus on the '142' card requires that the applicant has not received a new account bonus for the '142' card or any card within its specific product family in the past 24 months. Application restrictions include Citibank's '8/65 rule', meaning applicants are generally limited to one new credit card approval within an 8-day period and no more than two new credit card approvals within a 65-day period. All applications are subject to Citibank's standard creditworthiness assessment.
Maximum Cards Per Issuer: 6
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Citibank products, excessive credit seeking (multiple applications in a short period), repeated opening and closing of accounts for bonuses (churning), significant changes in spending patterns inconsistent with historical behavior, or abuse of return policies.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Strong rewards program, reliable mobile app, and good customer service for general inquiries.
Top Negative Feedback:
High APR for some card tiers, occasional issues with complex reward redemptions, and foreign transaction fees on certain cards.
Approval Experience Score: 78.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Chase Freedom Unlimited
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 72.0 / 100
Est. Annual Rewards: $350.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 72 months
Store vs Co-brand: 100% General Purpose
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 70.0%
Terms Version Control
Version ID: CITI_CC_TERMS_0224