Citi Double Cash® Card

Citibank Mastercard Pending

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14

Benefits

2

Reward Categories

5x

Max Reward

19.2%

APR From
Basic Information
PENDING

Program ID: 202

Issuer: Citibank

Card Name: Citi Double Cash® Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 06:43

Last Scraped: Feb 08, 2026 15:09

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Top Eligible Spend Category 5x Cash Back Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent (then 1%). Eligible categories include Restaurants, Gas Stations, Grocery Stores, Select Travel, Select 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 outside of your top eligible spend category. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 14 Total
PENDING
Account Management 5
Free FICO® Score Access
Free credit score access

Access your FICO® Score for free to help monitor your credit health.

Account Alerts
Customizable account notifications

Receive customizable alerts via email or text for important account activity, such as large purchases or payment due dates.

Choose Your Payment Due Date
Flexible payment due date

Select a payment due date that works best for your financial schedule.

Paperless Statements
Digital statements

Opt for electronic statements to reduce paper clutter and access your statements online.

Citi Mobile® App Access
Mobile account management

Manage your account on the go, view transactions, pay bills, and more through the Citi Mobile® App.

Fees 1
No Annual Fee
$0 annual fee

The card has no annual fee.

Lifestyle 1
Citi Entertainment®
Special access to event tickets

Get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences, and more.

Payment Features 2
Digital Wallets
Compatibility with digital wallets

Easily add your card to digital wallets like Apple Pay®, Google Pay™, and Samsung Pay® for secure online and in-store purchases.

Contactless Payments
Convenient payment method

Make secure and fast payments by tapping your card at contactless-enabled terminals.

Rewards 2
5% Cash Back on Top Eligible 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. This applies to the first $500 spent in that category per billing cycle. 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
Unlimited 1% cash back

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

Security 3
Fraud Protection
Protection against unauthorized charges

Citi uses advanced fraud protection to monitor your account for suspicious activity. You will not be held responsible for unauthorized charges.

Citi Identity Theft Solutions
Identity theft assistance

If you become a victim of identity theft, Citi Identity Theft Solutions can help you understand and resolve the issue. This includes assistance with credit bureau notification, fraud alerts, and replacing compromised documents.

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/or a cash advance, typically within 24 hours.

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
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
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
PENDING
Standard APR

Purchase APR: 19.24% - 29.24%

Balance Transfer APR: 19.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 15 months

Intro BT APR: 0% for 15 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Very Good
Not specified
Application Process
Not specified
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the '202' card bonus in 2026 requires applicants to have good to excellent credit. A key bonus eligibility rule is the Citibank 24-month rule: applicants are ineligible for the welcome bonus if they have received a bonus for any card within the '202' card family (or a broader designated product family, e.g., ThankYou Points earning cards) in the past 24 months. Application frequency is also restricted by Citibank's '8/65' rule, limiting new card applications to no more than one every 8 days and no more than two every 65 days across all Citibank credit products.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Citibank products, excessive credit seeking (multiple applications in short periods), non-organic spending patterns inconsistent with typical consumer behavior, sudden large deposits/withdrawals in linked checking accounts, bust-out risk indicators, high utilization across multiple credit lines, and frequent balance transfers without new spending.

Cliff Effect Rules: The primary 'cliff effect' for Citibank's '202' card family is the 24-month bonus eligibility rule. This means that once a welcome bonus is earned on any card within the '202' family (or its designated bonus family), the cardholder becomes ineligible to receive another welcome bonus on *any* card within that same family for a full 24 months from the date the previous bonus was awarded. This rule is strictly enforced to prevent rapid churning of bonuses within related product lines.

Special Events: N/A

Holiday Promos: N/A

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Strong rewards program, excellent mobile app, good customer service, and widely accepted.

Top Negative:
High APR for some, occasional issues with foreign transaction fees on certain cards, and complex reward redemption for some users.

Approval Experience: 85.0 / 100

Recommended Alternatives
  • Citi Double Cash Card
  • Citi Custom Cash Card
  • Citi Premier Card

Card Value Score: 75.0 / 100

Est. Annual Rewards: $350.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0