Citi Double Cash Card
Basic Information
Program ID: 458
Issuer: Citibank
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 06:45
Last Scraped: 01/15/2026 04:58
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| 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: 15 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $200.00
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 statement closing after meeting the spend.
Rewards Program
Reward Type: ThankYou Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on top eligible spend category (up to $500 per billing cycle) from a list including Restaurants, Gas Stations, Select Travel, Select 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.
Transfer Partners: Aeromexico Rewards, Avianca LifeMiles, Cathay Pacific Asia Miles, Emirates Skywards, Etihad Guest, EVA Air Infinity MileageLands, Flying Blue (Air France/KLM), JetBlue TrueBlue, Malaysia Airlines Enrich, Qantas Frequent Flyer, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, Choice Privileges, Wyndham Rewards.
Card Benefits
Protection Benefits
Travel Benefits
- Travel Insurance
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 800
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Applicants for the '458' card are generally eligible for a welcome bonus if they have not received a bonus for the same card family (e.g., Citi ThankYou Preferred, Premier, Prestige are typically considered a family) within the last 24 months. This 24-month period is usually measured from the date the previous bonus was received. Citibank also enforces application velocity rules, commonly known as the '8/65' rule (no more than 1 approval in 8 days, and no more than 2 approvals in 65 days) and potentially a '1/24' rule for opening a new account of the same product family. Eligibility also requires a good to excellent credit score (typically 700+ FICO) and sufficient income to support the credit line.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Typically 3 months, occasionally 6 months for larger welcome offers.
Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases, payment of non-eligible bills to meet spend), high cumulative credit limit across all Citibank products relative to reported income, rapid succession of new credit card applications (especially within Citibank), frequent balance transfers or cash advances without genuine usage, abuse of return policies or credit card benefits, a pattern of opening cards solely for bonuses and then closing them quickly (churning), or suspicious transaction patterns.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Users appreciate the strong fraud protection, wide acceptance, and reliable customer service typical of a major issuer like Citibank.
Top Negative Feedback:
Some users report high interest rates for those who carry a balance and occasional issues with the mobile app interface.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Citi Custom Cash Card
- Citi Simplicity Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $300.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 90% General / 10% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 65.0%
Terms Version Control
Version ID: CITI_CC_TERMS_05012024
Last Updated: 05/01/2024 00:00