Citi Double Cash® Card
Basic Information
Program ID: 408
Issuer: Citibank
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 04:59
Last Scraped: 01/15/2026 04:38
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| 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: 1,924.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 12 months
Balance Transfer APR: 2,924.00%
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 of the statement closing date following the meeting of the spend requirement.
Rewards Program
Reward Type: ThankYou Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on highest eligible spend category up to $500 per billing cycle from: Restaurants, Gas Stations, Grocery Stores, Travel, Transit, Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, Live Entertainment.
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as the account is active and in good standing. If the account is closed, points typically expire within 60-90 days.
Transfer Partners: Airlines: Avianca LifeMiles, Cathay Pacific Asia Miles, Emirates Skywards, Etihad Guest, EVA Air Infinity MileageLands, Flying Blue (Air France/KLM), JetBlue TrueBlue, Qantas Frequent Flyer, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club. Hotels: Wyndham Rewards, Choice Privileges.
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: Eligibility for the welcome bonus on the Citibank '408' card is restricted to new cardmembers who have not received a welcome bonus for the '408' card or any card within its specific product family within the past 24 months. This rule applies even if the previous card account is closed. Applicants must also meet Citibank's standard creditworthiness and application criteria, including a satisfactory credit history and income verification.
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 credit cards, large transactions with minimal return), rapid application for multiple Citibank cards within short periods (e.g., violating 1/8, 2/65 rules), high cumulative credit limit across all Citibank accounts relative to reported income, sudden changes in spending patterns inconsistent with historical behavior, defaulting on other Citibank products, excessive balance transfers, or suspected bust-out behavior.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Reliable customer service, competitive rewards, and a user-friendly mobile app.
Top Negative Feedback:
High interest rates, occasional delays in reward redemption, and complex fee structures.
Approval Experience Score: 80.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Citi Custom Cash Card
- Chase Freedom Unlimited
Card Value Score: 75.0 / 100
Est. Annual Rewards: $400.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 90% General / 10% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0