Citi Double Cash Card

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Citi Double Cash Card
No Welcome Bonus

Click Here to Apply

No Annual Fee

Recent better offer: None

FM Mini Review: 2X rewards for all spend with no annual fee makes this card a winner. Earn 2X everywhere and redeem for the equivalent of 2% cash back or 2X ThankYou points. Pair with the Premier or Prestige card to make points transferrable to airlines.


Card Type: Mastercard World Elite

Noteworthy perks: 1X when you make a purchase + 1X when you pay for those purchases

Application Tips


Citi Application Tips




  • 24 Month Rule: To apply for a card within the same brand, must wait 24 months after receiving a new cardmember bonus or closing account.

  • 48 Month Rule: Some cards (AA cards, for example) have a 48 month rule instead of a 24 month rule. In these cases, you have to wait 48 months after signing up for the same exact card.

  • Velocity Rules: Max 1 personal card per 8 days. Max 2 personal cards per 65 days. Max 1 business card per 95 days.

  • Get Same Card Again: Citi allows getting same card again (even if card is still open) as long as you follow the 24 month rule (or 48 month rule if applicable) and velocity rules (above).

  • Hard inquiries DO NOT combine into 1 when approved same day


Check application status here.
If denied, call reconsideration here:800-695-5171 (personal); 800-763-9795 (business)
If reconsideration # doesn’t work, try the Citi Credit Card Executive Office: 423-477-6858


Keep or Cancel?

Keep! This card has no annual fee and best in class earning power.

Related Cards (ThankYou Rewards)

Citi Rewards+ Card
15K points
15K points after $1K spend in 3 months

No Annual Fee

Citi Rewards+ Student Card
2.5K points
2.5K after $500 spend in 3 months

No Annual Fee

Citi Double Cash Card

Recent better offer: None

Citi ThankYou Preferred Card

No offer at this time

No Annual Fee

Last updated on May 30th, 2018

Regarding comments: Comments posted at the bottom of Frequent Miler pages and posts are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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[…] the card does not earn any category bonuses? Since no-fee 2% cash back cards are readily available (Citi Double Cash, for example), let’s define “sensible” as the possibility of getting 2% or more […]

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[…] pennies, I think it makes more sense to compare this card to best-in-class cash back cards such as Citi Double Cash, USAA Limitless Cashback Rewards, and Alliant Cashback Visa Signature Card.  And, compared to […]

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[…] Link to our Citi Double Cash Card page with more information about the card and an application link, or find it on our Best Offers page […]

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[…] Citi Double Cash (1% back now and 1% back later makes for an effective 2% back) […]

Steve
Guest
Steve

Ok, so this isn’t a spectacular card and doesn’t have a sign-up bonus, but something must be wrong with the algorithm for 1st year estimate, right? How can it be negative if there is no fee or spend requirement?

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[…] card, the annual fee makes me question this one a bit. An easy cash back alternative would be the Citi Double Cash, which earns an effective 2% back (1% when you purchase + 1% when you pay the bill) and has no […]

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[…] earning 3x). Two percent for online purchases isn’t notable since you can get a card like the Citi Double Cash that earns an effective 2% back on all purchases with no annual […]

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[…] toward most anything at most Disney locations. It would make more sense to get a card like the Citi Double Cash that earns an effective 2% cashback everywhere (thereby earning cash back that can be used on […]

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[…] you want a no-annual fee cash back card, get a no-fee 2% cash back card such as the Citi Double Cash.  Optionally pair it with the no-fee Uber card (4% dining, 3% […]

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[…] of Credit analyzed this one the other day from the perspective of the Citi Double Cash. With the 25% bonus bonus, you’d earn 2.5% cash back on that card. As he rightly pointed out, […]

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[…] this plays out as expected, the Citi Double Cash card will be the only card on the market that earns uncapped 2X rewards which are convertible 1 to 1 to […]

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[…] we learned that the Double Cash card’s cash back can transfer 1 to 1 to Citi ThankYou Points.  That means that this card can […]