Citi Double Cash® Card

Citibank Mastercard Pending

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6

Benefits

3

Reward Categories

5x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: 458

Issuer: Citibank

Card Name: Citi Double Cash® Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 06:45

Last Scraped: Feb 07, 2026 16:21

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 3 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, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment. No Cap
Top Eligible Spend Category (after cap) 1x Cash Back Earn 1% cash back on purchases in your top eligible spend category after the first $500 spent each billing cycle. No Cap
All Other Purchases 1x Cash Back Earn 1% cash back on all purchases outside of your top eligible spend category. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 6 Total
PENDING
Financial 1
No Annual Fee
$0 annual fee

There is no annual fee for carrying this credit card.

Lifestyle 1
Citi Entertainment Access
Exclusive access

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

Rewards 2
5% Cash Back on Top Spend Category
Up to $500 in eligible spend per billing cycle (5% cash back)

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, automatically, up to the first $500 spent. Eligible categories include Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Live Entertainment, Select Streaming Services, Drugstores, Home Improvement Stores, and Fitness Clubs.

Unlimited 1% Cash Back
Unlimited 1% cash back

Earn unlimited 1% cash back on all other purchases and on purchases in your top 5% category after the $500 limit has been reached.

Security 2
$0 Liability on Unauthorized Charges
$0 liability

You will not be held responsible for unauthorized charges made with your card.

Citi Identity Theft Solutions
Assistance services

Access to Citi's identity theft solutions, which can assist cardmembers if they become a victim of identity theft.

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
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
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: 21.24% - 29.24%

Balance Transfer APR: 21.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 15 months

Intro BT APR: 0% for 15 months

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

Rules: Eligibility for the welcome bonus on the Citibank '458' card is subject to the following: Applicants are ineligible if they have received a welcome bonus for this specific card or any card within the same product family within the last 24 months. Approval is also contingent upon meeting Citibank's standard credit underwriting criteria, including credit score, income, and existing credit relationships. Citibank reserves the right to deny applications based on recent credit activity or excessive credit exposure.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (MS), high cumulative credit limit across Citibank products, rapid application for multiple credit products, abuse of welcome bonuses (e.g., meeting spend and immediately closing account), suspicious spending patterns inconsistent with typical consumer behavior, and repeated late or bounced payments.

Cliff Effect Rules: The primary 'cliff effect' is Citibank's 24-month bonus eligibility rule. If an applicant has received a welcome bonus on the '458' card or any card within its designated product family within the last 24 months, they are strictly ineligible for a new bonus on this card. This rule resets 24 months after the previous bonus was earned, meaning eligibility 'falls off the cliff' if the application is submitted within this period.

Special Events: N/A

Holiday Promos: N/A

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.0 / 5.0

Top Positive:
Users appreciate the strong sign-up bonuses, diverse reward categories, and reliable customer service often associated with Citibank's credit card offerings. Many find the online banking platform user-friendly.

Top Negative:
Some users report high APRs if balances are carried, and a few find the reward redemption process less straightforward than competitors. Foreign transaction fees can be a concern on certain cards.

Approval Experience: 88.0 / 100

Recommended Alternatives
  • Citi Double Cash Card
  • Chase Freedom Unlimited
  • Discover it Cash Back

Card Value Score: 80.0 / 100

Est. Annual Rewards: $225.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: January 2024

Last Updated: Jan 01, 2024 00:00