Discover the benefits and advantages of the Citi Double Cash Card.
When it comes to Citi Double Cash, the practical and constructive come to mind. This cash back credit card offers some tangible ways in which you can improve your financial situation, improve your credit card habits.
And enjoy cash back rewards without having to keep track of rotating categories. All at the same time as one excellent zero interest card with no annual fee.
Here’s a review of the Citi Double Cash Card offerings, who it’s right for, the best cards to mix and match, and more.
citi double cash
cash back 2% 0% INTRODUCTORY APRBenefits of Citi Double Cash Card
2% Cashback: Citi Double Cash has the highest potential flat rate refund. The keyword here is potential as you get 1% refund when purchasing and the other 1% when paying the invoice by the due date (you just need to make the minimum deposit). If you pay late, you will lose the second half of your money back. It’s an interesting quirk that motivates you to pay your bill on time.
No fees for transferring balances from other banks: The card has an introduction of 0% APR for 18 months on bank transfers. This is one of the longest introductory offers available, even when compared to the best credit cards. This makes this card perfect for paying off debt with balance transfer strategies.
No annual fee: Citi Double Cash has an annual fee of $0. Many cashback cards do not have an annual fee, so this is not a great benefit for this card. But it’s still good for your budget if you don’t need to pay anything by credit card.
Flexible cashback options: If you also have a qualifying Citi Travel Card, such as the Citi Premier Card or Citi Prestige, you can convert your refunds to Citi Thank You Points. You can then use these points for travel redemptions, including transfers to many Citi travel partners.
This option makes your credit card a fantastic addition to a Citi Travel Reward Card. You can use the ticket for any purchase where you earn bonus points. You can use the Citi Double Cash – 18 month BT offer on all your spending with no bonus, basically collecting 2 thank you points for $1. This is a simple and effective way to maximize your credit card rewards.
Requisitos de Solicitação Citi Double Cash Credit Card
- Credit Score: A good to excellent credit score is typically required for approval.
- Age: Applicants should be at least 18 years old.
- Income Verification: Be prepared to provide proof of a steady income to demonstrate your ability to manage credit.
- Legal Residency: You must be a U.S. citizen or a legal resident with a valid Social Security number.
- Credit History: A positive credit history with responsible credit usage enhances your chances of approval.
- Existing Citi Relationship: While not mandatory, having an existing relationship with Citibank may be advantageous.
How to Apply for the Citi Double Cash Credit Card
- Visit the Official Website:
Navigate to the official Citibank website to access the Citi Double Cash Credit Card application page. - Provide Personal Information:
Fill out the online application form with accurate personal details, including your name, address, contact information, and Social Security number. - Financial Information:
Input your income details and any additional financial information required for the application. - Review Terms and Conditions:
Carefully review the terms and conditions of the credit card, including interest rates, fees, and rewards program details. - Submit Application:
Once all information is entered correctly and you agree to the terms, submit your application online. - Wait for Approval:
Allow time for the bank to review your application. You may be notified of their decision via email or mail. - Receive Your Card:
If approved, your Citi Double Cash Credit Card will be mailed to the address provided in your application.
Frequently Asked Questions (FAQs) – Citi Double Cash Credit Card
How does the Citi Double Cash Card’s cash back feature work?
The Citi Double Cash Card offers cash back in two stages – you earn 1% cash back on all purchases and an additional 1% when you pay your bill, effectively providing a total of 2% cash back on all eligible purchases.
Are there any annual fees associated with the Citi Double Cash Card?
No, the Citi Double Cash Card does not have an annual fee, making it an attractive option for those looking to maximize rewards without incurring additional costs.
Can I redeem my cash back for something other than a statement credit?
Yes, besides statement credits, you have the option to redeem your cash back for gift cards or a check mailed to your address. The flexibility allows you to choose the redemption method that suits you best.
Is there a foreign transaction fee for using the Citi Double Cash Card internationally?
Yes, it’s important to note that the Citi Double Cash Card does have a foreign transaction fee. If you frequently travel abroad, you may want to consider this factor in your decision-making process.
Please note that the information provided is based on the knowledge available up to January 2022, and there may have been changes or updates since then. Always refer to the official Citi website for the most current information.
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