10
Benefits2
Reward Categories5x
Max Reward19.2%
APR FromBasic Information
PENDINGProgram ID: 257
Issuer: Citibank
Card Name: Citi Double Cash® Card
Card Type: Credit
Network: Mastercard
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Eligible Servicemembers may qualify for SCRA benefits, including 0% APR on balances incurred prior to active duty and waiver of certain fees on Citi credit card accounts.
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. Eligible categories include: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment. | No Cap | |
| All Other Purchases | 1x | Cash Back | Earn unlimited 1% cash back on all other purchases, and on purchases beyond the $500 cap in your top eligible spend category. | No Cap |
Rewards Summary
PENDINGReward Type: Cash Back
Base Rate: 2x
Categories: All Purchases
Quarterly Rotating: No
Expiration Policy: Your cash back rewards do not expire as long as your account is open and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Minimum redemption for statement credit is $25.
Benefits & Protections (Detailed) 10 Total
PENDINGConvenience 3
Digital Wallet Integration
ConvenienceEasily add your card to Apple Pay®, Google Pay™, and Samsung Pay® for secure and convenient payments.
Online Account Management
Full online accessManage your account, view statements, make payments, and access other services securely online or through the Citi Mobile App.
Contactless Payment Technology
ConvenienceTap to pay securely at millions of merchant locations worldwide wherever you see the contactless symbol.
Lifestyle 1
Citi Entertainment® Access
Exclusive accessAccess to presale tickets and exclusive experiences for thousands of events, including concerts, sporting events, and dining experiences.
Rewards 2
5% Cash Back on Top Eligible Spend Category
Up to $500 spent in the top category per billing cycleEarn 5% cash back on purchases in your highest eligible spend category each billing cycle. Eligible categories include Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Drugstores, Home Improvement Stores, Fitness Clubs, and Live Entertainment.
1% Cash Back on All Other Purchases
UnlimitedEarn 1% cash back on all other purchases outside of your top eligible spend category.
Security 4
$0 Liability on Unauthorized Charges
Full protectionYou will not be held responsible for unauthorized charges made with your card.
Citi Identity Theft Solutions
Assistance servicesAssistance with identity theft resolution, including help with credit bureau notifications and replacing important documents.
Customizable Account Alerts
Real-time notificationsReceive alerts via email or text message for important account activity, such as large purchases, balance updates, or payment due dates.
Emergency Card Replacement
Expedited replacementIf your card is lost or stolen, Citi can help you get a replacement card quickly.
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 |
| Authorized User 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 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: 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
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the welcome bonus on the Citibank '257' card in 2026 requires applicants to not have received a bonus for this specific card or any card within the same product family within the last 24 months. Applicants must also be in good standing with Citibank, meet standard creditworthiness criteria, and typically be new cardmembers for this specific product.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: The '24-month rule' applies across the entire card family. This means if you have received a welcome bonus for the '257' card or any other card within its designated product family (e.g., similar rewards structure or branding) within the past 24 months, you are ineligible for a new bonus on the '257' card. This rule is strictly enforced to prevent repeated bonus churning within the same product line.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.8 / 5.0
Top Positive:
Users often praise Citibank for its wide range of card options, competitive rewards on popular spending categories, and robust online banking platform. Many appreciate the fraud protection and customer service responsiveness.
Top Negative:
Some users report high APRs, occasional issues with customer service wait times, and foreign transaction fees on certain cards. Others mention the complexity of navigating rewards programs for specific cards.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Citi Custom Cash Card
- Citi Premier Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $225.00
Approval Probability: 65.0%
Version Control
PENDINGVersion ID: v1.0