Citi Double Cash® Card
Basic Information
Program ID: 257
Issuer: Citibank
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/06/2026 16:32
Last Scraped: 01/15/2026 04:44
Fee Structure
| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $95.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
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: 2,124.00%
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: 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 Flights, 5x Prepaid Hotels, 3x Supermarkets, 3x Restaurants, 3x Gas Stations
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: Avianca LifeMiles, Cathay Pacific Asia Miles, Emirates Skywards, EVA Air Infinity MileageLands, Flying Blue (Air France/KLM), JetBlue TrueBlue, Qantas Frequent Flyer, Singapore Airlines KrisFlyer, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, Choice Privileges
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Excellent
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the welcome bonus requires that the applicant has not received a bonus for the '257' card or any card within its product family, nor closed such an account, within the last 24 months from the date the previous bonus was received or account closure. Applicants must also meet the specified minimum spending requirement within the initial period.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit, rapid application for multiple cards, repeated bonus churning without adhering to eligibility rules, suspicious spending patterns (e.g., large gift card purchases, round numbers), failure to pay on time, excessive credit limit increase requests.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Users appreciate Citibank's wide range of card options, competitive rewards on popular spending categories, and reliable mobile banking experience. Many find the application process straightforward and customer service generally helpful for common inquiries.
Top Negative Feedback:
Some users report higher APRs compared to competitors, occasional issues with foreign transaction fees on certain cards, and a few instances of inconsistent customer service experiences. The complexity of reward redemption for some specific cards can also be a point of frustration.
Approval Experience Score: 78.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Citi Custom Cash Card
- Citi Premier Card
Card Value Score: 72.0 / 100
Est. Annual Rewards: $350.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: 2024-02-01
Last Updated: 02/01/2024 00:00