Citi Double Cash® Card

Citibank Mastercard Pending

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11

Benefits

2

Reward Categories

5x

Max Reward

20.2%

APR From
Basic Information
PENDING

Program ID: 416

Issuer: Citibank

Card Name: Citi Double Cash® Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 06:41

Last Scraped: Feb 07, 2026 16:13

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Citi offers SCRA benefits including 0% APR on balances incurred prior to active duty for eligible Servicemembers and their dependents.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Top Eligible Spend Category 5x 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, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, and Live Entertainment. Up to the first $500 spent per billing cycle. No Cap
All Other Purchases 1x Cash Back On all other purchases, and on purchases in your top eligible spend category after the $500 billing cycle cap is reached. No Cap
Rewards Summary
PENDING

Reward Type: ThankYou Points

Base Rate: 1x

Bonus Rate: 5x

Categories: 5x on top eligible spend category each billing cycle (up to $500 spent per billing cycle)

Quarterly Rotating: No

Cap Amount: $500.00

Expiration Policy: Points do not expire as long as your account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 11 Total
PENDING
Convenience 1
Digital Wallet Compatibility
Digital wallet support

Easily add your card to popular digital wallets like Apple Pay®, Google Pay™, and Samsung Pay® for secure and convenient payments.

Entertainment 1
Citi Entertainment Access
Access to exclusive events

Access to presale tickets and exclusive experiences for thousands of concerts, sporting events, dining experiences, and more.

Financial 1
No Annual Fee
No annual fee

There is no annual fee to carry the Citi Custom Cash℠ Card.

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 eligible top spend category each billing cycle, up to the first $500 spent. Categories include Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, and Live Entertainment. You automatically earn 5% cash back on the category where you spend the most each billing cycle, with no enrollment required.

1% Cash Back on All Other Purchases
1% cash back

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

Rewards Redemption 1
Flexible Cash Back Redemption
Flexible redemption options

Redeem your cash back for a direct deposit, statement credit, or check. You can also redeem for gift cards or travel.

Security 4
$0 Liability on Unauthorized Purchases
$0 liability

You are protected against unauthorized purchases made with your card. You will not be held responsible for fraudulent charges.

Citi Identity Theft Solutions
Identity theft assistance

Assistance with identity theft resolution services, including help with credit bureau notifications and replacing important documents.

Fraud Monitoring
Proactive fraud detection

Citi actively monitors your account for suspicious activity to help prevent fraud.

Mastercard ID Theft Protection™
Identity theft monitoring and resolution

Provides identity theft resolution services, including monitoring for suspicious activity, alerts, and assistance with restoring your identity if it is compromised.

Travel Assistance 1
Mastercard Global Service™
24/7 emergency assistance

Provides 24/7 emergency assistance for card-related issues, including lost or stolen card reporting, emergency card replacement, and emergency cash advance services, anywhere in the world.

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
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 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: 20.24% - 29.24%

Balance Transfer APR: 20.24%

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: Applicants for the '416' card are subject to Citibank's standard bonus eligibility rules. This includes the '24-month rule,' which states that you are generally eligible for one welcome bonus per card product family every 24 months. This period is typically measured from the date the previous bonus was earned or the account was closed, whichever is later, for any card within the same product family (e.g., ThankYou Points family, cash back family). Additionally, Citibank enforces application velocity rules, commonly known as the '8/65 rule,' restricting applicants to one new Citibank credit card application every 8 days and no more than two new Citibank credit card applications within a 65-day period. Standard credit card eligibility criteria apply, including a good to excellent credit score, sufficient income, and a low debt-to-income ratio.

Max Cards Per Issuer: 5

Min Spend Interval: Typically 3 months, though some offers may extend to 6 months.

Shutdown Risk Triggers: Manufactured spending (MS), excessive credit cycling, high cumulative credit limit across all Citibank accounts, rapid account opening and closing (churning), not actively using the card after meeting bonus spend, abuse of card benefits (e.g., return protection, price protection), frequent balance transfers without new purchase activity.

Cliff Effect Rules: The primary 'cliff effect' is the 24-month rule, which prevents earning a bonus on a card within the same product family if you've received a bonus or closed an account in that family within the last 24 months. This can lead to unexpected ineligibility for a welcome bonus even if applying for a seemingly new card, if it's considered part of a previously held or closed family.

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 sign-up bonuses, flexible rewards programs (e.g., ThankYou Points), good customer service for some, and a variety of card options for different spending habits.

Top Negative:
High APRs for some, occasional issues with customer service resolution, complex reward redemption for certain cards, and foreign transaction fees on some entry-level cards.

Approval Experience: 75.0 / 100

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

Card Value Score: 70.0 / 100

Est. Annual Rewards: $315.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 2023.10.01

Last Updated: Oct 01, 2023 00:00