12
Benefits2
Reward Categories5x
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: 142
Issuer: Citibank
Card Name: Citi Double Cash® Card
Card Type: Credit
Network: Mastercard
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Citibank offers SCRA benefits, reducing the interest rate on eligible credit card accounts to 0% APR on balances incurred prior to active duty start date, for the duration of active duty.
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Top Eligible Spending Category | 5x | Cash Back | Automatically earn 5% cash back on purchases in your top eligible spending category each billing cycle, up to the first $500 spent. Eligible categories include Restaurants, Gas Stations, Grocery Stores, Travel, Transit, Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, and Live Entertainment. | No Cap | |
| All Other Purchases | 1x | Cash Back | Earn 1% cash back on all other purchases, and on purchases in your top eligible spending category after the $500 spending cap is reached each billing cycle. | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 12 Total
PENDINGConvenience 3
Contactless Payment Technology
Convenient paymentTap to pay securely at millions of merchant locations worldwide wherever you see the contactless symbol.
Digital Wallet Compatibility
Convenient paymentEasily add your card to Apple Pay®, Google Pay™, and Samsung Pay® for secure and convenient mobile payments.
Online Account Management
24/7 accessManage your account 24/7 online or through the Citi Mobile App, including viewing statements, making payments, and monitoring transactions.
Entertainment 1
Citi Entertainment Access
Exclusive accessAccess to presale tickets and exclusive experiences for thousands of events annually, including concerts, sporting events, and dining experiences.
Financial 3
0% Intro APR on Purchases
0% Intro APR for 15 monthsEnjoy a 0% introductory APR on purchases for 15 months from account opening. After that, the variable APR will apply.
0% Intro APR on Balance Transfers
0% Intro APR for 15 monthsEnjoy a 0% introductory APR on balance transfers for 15 months from account opening. Balance transfers must be completed within 4 months of account opening. After that, the variable APR will apply. A balance transfer fee applies.
No Annual Fee
$0There is no annual fee for this credit card.
Rewards 2
5% Cash Back on Top Eligible Spend Category
5% cash back on up to $500 spent per billing cycleEarn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent. Eligible categories include Restaurants, Gas Stations, Grocery Stores, Travel, Transit, Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, and Live Entertainment.
1% Cash Back on All Other Purchases
1% cash backEarn unlimited 1% cash back on all other purchases outside of your top eligible spend category and after the $500 spend limit is reached in your top category.
Security 3
Fraud Protection
Citi monitors your account for suspicious activity and will alert you to potential fraud.
Zero Liability on Unauthorized Charges
$0 liabilityYou will not be held responsible for unauthorized charges made with your card.
Account Alerts
Customizable alertsReceive customizable alerts via email or text message for important account activity, such as large purchases, balance updates, or payment due dates.
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
PENDING$200
Cash BackRequirement: Spend $1,500 in 180 days
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Min Interest Charge: | $0.50 |
Additional Fees
PENDING| 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 & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Balance Transfer APR: 21.24%
Cash Advance APR: 29.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the sign-up bonus on the '142' card requires that you have not received a new cardmember bonus for the '142' card or any card within its product family in the past 24 months. This rule applies even if you product changed to or from a card within the family. Applicants are generally expected to have an excellent credit history and score, and Citibank will assess overall credit exposure and recent account openings.
Max Cards Per Issuer: 8
Min Spend Interval: 3 months
Cliff Effect Rules: The primary cliff effect is the 24-month bonus eligibility rule. If you receive a bonus on the '142' card or any card within its family, you become ineligible for another bonus on any card in that family for 24 months. This rule applies regardless of whether the card was opened directly or obtained via product change. Product changing *to* a card may also render you ineligible for its sign-up bonus.
Special Events: N/A
Holiday Promos: N/A
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.0 / 5.0
Top Positive:
Strong rewards programs, good customer service, and widely accepted.
Top Negative:
High APR for some, occasional issues with foreign transaction fees, and complex reward redemption for some specific cards.
Approval Experience: 80.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Chase Freedom Unlimited
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $300.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: 2024-02