Citi Double Cash® Card

Citibank Mastercard Pending

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6

Benefits

2

Reward Categories

5x

Max Reward

19.2%

APR From
Basic Information
PENDING

Program ID: 410

Issuer: Citibank

Card Name: Citi Double Cash® Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Dec 27, 2025 03:56

Last Scraped: Feb 07, 2026 16:16

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Federal law provides important protections to military members and their dependents, limiting the cost of credit to an annual percentage rate of 36 percent. This rate includes various fees like credit insurance premiums, ancillary product fees, and certain application/participation fees. For more details, call 1-877-287-CITI.

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, 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, including purchases beyond the $500 cap in your top eligible spend category. No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 1x

Bonus Rate: 2x

Quarterly Rotating: No

Expiration Policy: 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 amount of $25 for direct deposit, statement credit, or check.

Benefits & Protections (Detailed) 6 Total
PENDING
Convenience 1
Digital Wallet Compatibility
Convenience

Easily add your card to popular digital wallets such as Apple Pay, Google Pay, and Samsung Pay for secure and convenient payments.

Entertainment 1
Citi Entertainment
Access to exclusive events

Access 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 per billing cycle

Earn 5% cash back on purchases in your top eligible spend category each billing cycle. Eligible categories include Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Live Entertainment, Select Streaming Services, Drugstores, Home Improvement Stores, and Fitness Clubs.

1% Cash Back on All Other Purchases
Unlimited

Earn 1% cash back on all other purchases outside of your top eligible spend category, with no limit to the amount of 1% cash back you can earn.

Security 2
$0 Liability on Unauthorized Charges
Full protection

You will not be held responsible for unauthorized charges made with your card, providing protection against fraud.

Citi Identity Theft Solutions
Assistance services

Access to assistance services to help resolve identity theft issues, including help with credit bureau notifications and replacing important documents.

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
PENDING

$200

Cash Back

Requirement: 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
Penalty APR: 29.99%
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 12 months

Intro BT APR: 0% for 12 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Very Good
Supported
Application Process
Available
Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for welcome bonuses typically requires applicants to be new cardmembers for the specific product family. The primary restriction is Citibank's '24-month rule': applicants are generally ineligible for a bonus if they have received a bonus on any card within the same product family (e.g., ThankYou Points, AAdvantage) in the past 24 months. This rule applies even if the specific card is different but belongs to the same family. Citibank also enforces application velocity rules, commonly known as the '8/65 rule,' which limits applicants to no more than one credit card application in an 8-day period and no more than two credit card applications in a 65-day period. Standard creditworthiness requirements, including a good to excellent credit score and sufficient income, also apply.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (MS), excessively high cumulative credit limit across all Citibank products relative to income, credit cycling (making multiple payments within a billing cycle to free up credit for more spending), abuse of return policies after earning rewards, frequent or suspicious account activity, and any breach of the cardmember agreement terms and conditions.

Cliff Effect Rules: The main 'cliff effect' is the 24-month rule for welcome bonuses. If a cardmember receives a bonus on a card within a specific product family (e.g., all ThankYou Points cards), they become ineligible for a bonus on any other card within that *same family* for the next 24 months. This means strategically timing applications to maximize bonuses across different card families is crucial.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Users frequently praise Citibank cards for their robust rewards programs, particularly for cashback and flexible points. The online banking platform and mobile app are generally considered user-friendly, and fraud protection is highly regarded.

Top Negative:
Common complaints include high APRs on some cards, inconsistent customer service for complex issues, and the presence of foreign transaction fees on certain products. Some users also find the points redemption process to be less straightforward than competitors.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Citi Double Cash Card
  • Citi Custom Cash Card
  • Chase Freedom Unlimited

Card Value Score: 78.0 / 100

Est. Annual Rewards: $270.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0