Citi Double Cash® Card
Basic Information
Program ID: 202
Issuer: Citibank
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 06:43
Last Scraped: 01/15/2026 04:56
Fee Structure
| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $-5.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $5 or 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: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 18 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 18 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: 5.00%
Bonus Categories: 5x on top eligible spend category (e.g., Restaurants, Gas, Groceries, Travel, Transit, Streaming, Drugstores, Home Improvement, Fitness, Live Entertainment); 3x on Supermarkets, Restaurants, Gas Stations, Air Travel, 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, Flying Blue (Air France-KLM), JetBlue TrueBlue, Singapore Airlines KrisFlyer, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, Choice Privileges, Wyndham Rewards
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
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: The primary bonus eligibility rule for the Citibank '202' card in 2026 is the 24-month rule: applicants are not eligible for a welcome bonus if they have received a bonus on any card within the same product family (e.g., ThankYou Points family, Cash Back family) in the past 24 months. This rule applies even if the previous card was closed. Additionally, Citibank typically enforces application velocity rules, such as no more than one application within an 8-day period and no more than two applications within a 65-day period across all Citibank products. General eligibility requires excellent credit history, a strong credit score, and sufficient income to support the credit line.
Maximum Cards Per Issuer: 6
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases, payment of rent/mortgage via third-party services with high fees, large round-number transactions), high cumulative credit limit across all Citibank products, rapid application for multiple cards, unusual spending patterns inconsistent with declared income, frequent balance transfers without new spending, abuse of return policies, and failure to pay on time.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.7 / 5.0
Top Positive Feedback:
Users appreciate the straightforward rewards structure, competitive sign-up bonuses, and the convenience of Citibank's online banking platform. Many find the customer service responsive for common inquiries.
Top Negative Feedback:
Some users report higher than average APRs, occasional issues with foreign transaction fees on certain cards, and a desire for more premium travel benefits without an annual fee. Customer service wait times can sometimes be long.
Approval Experience Score: 78.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Citi Custom Cash Card
- Chase Freedom Unlimited
Card Value Score: 72.0 / 100
Est. Annual Rewards: $275.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 72 months
Store vs Co-brand: 85% General / 15% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0