Citi Double Cash® Card
Basic Information
Program ID: 920
Issuer: Citibank
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/06/2026 17:57
Last Scraped: 01/15/2026 04:35
Fee Structure
| Annual Fee: | $695.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $475.00 |
| Authorized User Fee: | $175.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| 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 for cash back bonuses.
Rewards Program
Reward Type: ThankYou Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Air Travel, 3x Hotels, 3x Gas Stations, 3x Supermarkets, 3x Restaurants (Note: Assuming ProgramId '920' refers to the Citi Premier Card, as Citibank does not publicly use '920' for specific programs. These categories are based on current Citi Premier benefits, projected for 2026.)
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: 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, Thai Airways Royal Orchid Plus, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, 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 new cardmember bonus for the Citi '920' product is subject to Citibank's 24-month rule. Applicants are ineligible if they have received a new cardmember bonus for any card within the Citi ThankYou Rewards family (e.g., Citi ThankYou Preferred, Premier, Prestige, Rewards+) or have closed any such account in the past 24 months. General application requirements include a good to excellent credit score, being 18 years or older, and a valid U.S. address and SSN/ITIN.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit cycling, rapid application for multiple Citi cards (e.g., violating 1/8 or 2/65 application rules), high cumulative credit limit across Citi accounts, sudden drastic changes in spending patterns, not using the card after meeting the bonus, suspected fraud.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Good sign-up bonuses, reliable customer service, and widely accepted.
Top Negative Feedback:
High APRs for some users, foreign transaction fees on certain cards, and occasional complexity in reward redemption.
Approval Experience Score: 80.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Citi Custom Cash Card
- Chase Freedom Unlimited
Card Value Score: 72.0 / 100
Est. Annual Rewards: $300.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 95% General / 5% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v2024.02