Easy 2% Citi Cashback Card


In case you’re at all times on the go and worth each minute of your packed schedule, the Citi Double Money Card might positively be your type of factor. 

Its simple 2% cashback on each single merchandise could make your life a complete lot simpler.

Undergo its options with us, and see for your self—

This text will present you: 

  • What the Citi Double Money card is all about.
  • Its execs, cons, advantages, and rewards.
  • A bunch of options.

Learn extra:

Citi Double Money Credit score Card at a Look

Full identify: Citi Double Money® Card

Greatest for: Simple rewards system

Issuer: Citi

Credit score rating wanted: Glorious, good, truthful

How Does Citi Double Money Card Work?

The Citi Double Money Card has a fairly distinctive cashback idea

It’s all about rewarding you not only for shopping for stuff, but in addition for paying off these purchases. 

Right here’s the way it works— 

For each buy you make, you get 1% cashback proper off the bat. So in case you purchase a espresso for $5, that’s 5 cents in your pocket. 

However the rewards don’t cease there.

If you repay that espresso (or another buy in your card invoice), you earn one other 1% cashback on the quantity you repay. So in case you repay that $5 espresso, you get one other 5 cents. 

This implies you’re incomes double the cashback (1% while you purchase and one other 1% while you pay it off). That’s why it’s known as the “Double Money” card. 

And one of the best half? 

There’s no restrict to how a lot cashback you possibly can earn—and your cashback doesn’t expire so long as you retain the cardboard open. 

So whether or not you’re shopping for groceries, filling up gasoline, or purchasing on-line, the Citi Double Money Card can assist you earn some cashback. (Simply keep in mind to maintain paying off these purchases to get the total 2%.)

Citi Double Money Credit score Card: General Card Evaluation

Citi® Double Money Card: Professionals & Cons


  • No annual price.
  • Simple cashback on every thing.
  • Versatile redemption choices.
  • Stability switch provide at 0% for 18 months.
  • Entry to Citi Leisure.
  • Pockets safety and emergency card substitute.


  • 3% international transaction price.
  • No particular bonus classes.
  • No sign-up bonus.
  • Requires good to glorious credit score.
  • Credit score restrict begins at as little as $500.
  • No noteworthy further perks.
  • Cashback rewards would possibly take longer to accrue.

Key Citi Double Money Credit score Card Charges & Charges



Annual price



18.99%–28.99% (Variable)

Intro APR for steadiness transfers

0% 18 months

APR for money advances

29.99% (Variable)

Stability switch price

Intro price of three% of every switch ($5 minimal) made throughout the first 4 months of account opening; then 5% of every switch ($5 minimal)

Money advance price

5% of every money advance ($10 minimal)

International transaction price


Late price

As much as $41

Returned cost price

As much as $41

Issues to Know Concerning the Citi Double Money Card

With fundamentals out of the best way, let’s concentrate on rewards and advantages.

Citi money again rewards

Like we mentioned, Citi Double Money card rewards are easy. The desk under solutions questions like: 

  • Do Citi Double Money rewards expire?
  • How can I redeem Citi ThankYou factors?
  • Is there a restrict to my spending?

Citi Double Money Card

Rewards charge



  • Direct deposit
  • Assertion credit score
  • Verify by mail ($5 minimal)


Factors don’t expire except you shut the account



The redemption course of is fairly versatile, too. You may get your money again as a direct deposit, assertion credit score, or request a examine by mail (so long as it’s not less than $5).

The best bit? Your rewards by no means expire so long as your account stays open. 

And with no cap on the rewards you possibly can earn, the potential to earn money again is limitless. 

That makes this card an awesome wager in case you’re after a no-fuss, high-earning cashback bank card.

Citi Double Money factors defined

As you already know, Citi Double Money retains its factors system so simple as might be. 

You get a pleasant ThankYou Level in return for each greenback you spend. And every greenback you repay in your card additionally earns you one other ThankYou Level. 

On high of that, changing your rewards into factors is a chunk of cake: one cent in rewards equals one ThankYou Level.

Let’s use some examples to see precisely how a lot you’d earn:

What you spend

Factors you earn when shopping for

Factors you earn when paying off


Money worth
















Citi Double Money advantages

Okay, so this half goes to be a bit underwhelming—


Citi Double Money Card






  • 24-hour fraud safety
  • $0 legal responsibility on unauthorized expenses
  • ID Theft Safety program


The Citi Double Money Card received’t offer you particular money again rewards for journey or eating, however it does provide some first rate protecting options

They embody round the clock fraud safety and a $0 legal responsibility on unauthorized expenses. That means, your account is safeguarded in opposition to any unauthorized exercise. 

Via its ID Theft Safety program, the cardboard helps with further safety if it will get stolen.

On the non-protection aspect of issues, the cardholders get unique entry to presale tickets and VIP packages by Citi Leisure® (excellent for reside occasion lovers).

What’s the Citi Double Money card credit score restrict?

The credit score restrict for the Citi Double Money Card varies primarily based on the person cardholder’s creditworthiness

In different phrases, your credit score rating, revenue, and present money owed will all play a job in figuring out your credit score restrict. 

That’s why we went to cardholders to see the Citi Double Money credit score restrict in follow—

“Citibank gave me a restrict of $9k on this card.”

“Was simply authorised for the cardboard however solely a 3,000 restrict.”

“My restrict simply acquired elevated to 35k.”

However then—

“My Citi double restrict is $40k. Revenue is $80k.”

“From my expertise, their restrict will increase might be submitted typically with no laborious pull to your credit score.”


“The excellent news is after 3–6 months, you possibly can normally qualify for a gentle pull enhance. They are usually modest bumps, although. If you need the restrict to go up considerably, you’ll should be both very affected person and do numerous gentle pull will increase (that are solely normally each six months) or do a tough pull enhance the place you possibly can request a bigger quantity.”

How Does Citi Double Money Card Examine to Different Credit score Playing cards for Good or Glorious Credit score?

Let’s see:

Learn extra:

Double Money Card Options: Citi Cashback Playing cards

Citi Rewards+ Card

Citi Rewards+ Card presents 2x factors at supermarkets and gasoline stations (as much as $6,000 per 12 months), 1x factors on different purchases, and rounds as much as the closest ten factors on each buy. It’s nice for day by day bills.

Citi Premier Card

With 3x factors on eating places, supermarkets, gasoline stations, air journey, and lodges (and 1x on all different purchases), Citi Premier Card is excellent for journey and eating lovers.

Costco Anyplace Visa Card by Citi

Costco Anyplace Visa® Card by Citi is a good selection for Costco members, providing 4% cashback on eligible gasoline worldwide, 3% on eating places and journey, 2% on all different Costco purchases, and 1% on every thing else.

Bear in mind

Though all of the options could also be tempting, a number of credit score inquiries in a brief time frame would possibly find yourself inflicting extra unhealthy than good.

Citi AAdvantage Platinum Choose World Elite Mastercard

Citi additionally presents the AAdvantage Platinum Choose Mastercard.

Frequent flyers will respect 2x AAdvantage miles on eligible American Airways purchases, gasoline stations, and eating places (in addition to 1x AAdvantage miles on different spending).

Citi Status Card

With 5x ThankYou Factors on air journey and eating places, 3x on lodges and cruise strains, and 1x on all different purchases, it’s excellent for high-spenders. Plus, this card presents a number of journey advantages.

Each time you apply for a brand new bank card, banks examine your credit score rating. Because of this, simultaneous bank card purposes will have an effect on your credit score standing, lowering your probabilities of getting authorised. It’s finest to attend not less than six months earlier than you apply for one more bank card in case you want extra.

Simon BacherCEO and Co-founder, Ling App

Citi Financial institution Cashback Card: Helpful Hyperlinks

To make issues simple for you:

Citi Double Money Card Critiques Discovered On-line

Some of us say the “1% while you purchase, 1% while you repay” system isn’t at all times a superb factor—

“The small quirk is the truth that you get 1% first and the opposite 1% while you pay. In case you select to redeem your money again as a press release credit score, then Citi doesn’t contemplate {that a} legitimate type of cost, so that you received’t get the total secondary 1% in case you try this.”

Others point out the not-so-fun modifications Citi launched through the years—

“The DC has additionally misplaced options over the previous few years. Value rewind, return safety, harm safety, prolonged guarantee, and so forth. Citi actually gutted the cardboard. The DC is a product change of my very first bank card I used to be authorised for 18 years in the past, so I’ll at all times hold it, however it’s a shadow of what it was once.”

And the customer support appears to be lower than nice, too—

“I just like the Citi Double Cashback, and it was once my day by day driver. However Citi’s customer support is horrendous when there’s an issue. So, it’s simply not value it to me.”

However then, some cardholders do reward Citi—

“One factor I didn’t see talked about is Citibank is likely one of the best banks to request credit score will increase from, as there’s only a button on the web site you possibly can hit every time that provides you an prompt reply and doesn’t do a tough pull.”

Though this doesn’t appear to use to everybody—

“They don’t give me credit score restrict will increase, despite the fact that my credit score rating is over 750.”

Others advocate it as a superb card for vacationers when mixed with the Citi Premier card—

“The benefit of Citi Double Money over these different playing cards is said to journey. With Double Money alone, you possibly can switch factors to some of Citi’s journey companions, however at a lowered charge in comparison with the Premier card. One of the simplest ways to make use of Double Money is to pair it with Citi Premier, so that you get entry to all of Citi’s journey switch companions at their finest redemption charges.”

And at last—

“The best good thing about the Double Money is that you could pair it with a Rewards+ to successfully flip this right into a 2.2% money again card. That beats a lot of the different rivals, besides to the extent you get hit with a international transaction price or the chance value of not getting a sign-up bonus (however as others on this thread have prompt, you may get the bonus from one other Citi card after which product change to Double Money).

Then, so long as you’re getting Double Money and Rewards+, you possibly can add the Citi Customized Money for (successfully) 5.5% in a single class. That’s a fairly stable setup for comparatively minimal effort.”

Is Citi Double Money Card Good for Me?

Reply these questions that can assist you make up your thoughts:

  • Do you prefer to hold rewards easy?

The Citi Double Money Card presents flat-rate cashback on all purchases. No want to observe spending classes.

  • Do you repay your steadiness every month?

This card rewards each buying and well timed pay-offs. Helpful in case you hold your card steadiness beneath management.

  • Do you want a 0% introductory APR on steadiness transfers? 

This card offers 0% APR for a set interval post-account opening. Ultimate if transferring high-interest debt.

  • Do you care about fraud safety and particular presents? 

If that’s the case, the cardboard’s safety features and entry to the Citi Leisure program might be interesting.

Bear in mind

In case you’re after the sign-up bonus and wish to use your card internationally, you could possibly discover higher options.


Is the Citi Double Money Card good?

The Citi Double Money Card is a straightforward and simple card. 

It provides you 2% money again on all purchases, however it doesn’t include a sign-up bonus—which might be disappointing in case you’re in search of that preliminary rewards increase. 

You will discover cashback playing cards with sign-up bonuses right here.

Additionally, its rewards may not be as excessive for particular classes (like journey or eating) as another playing cards. 

Plus, in case you carry a steadiness, the curiosity would possibly take a chew out of your cashback, with the speed falling between 18.99% and 28.99%. 

In case you’re after simplicity and no annual price and desire a sign-up bonus, contemplate Capital One Quicksilver Rewards.

Does Citi Double Money have international transaction charges?

Sure, the Citi Double Money Card does have international transaction charges. 

Cardholders are sometimes charged a 3% price for transactions made in a international foreign money or with a international financial institution. 

This is a crucial element to contemplate in case you journey internationally regularly or make loads of purchases from foreign-based firms—these international transaction charges can add up, probably offsetting a few of your cashback rewards.

Take a look at higher journey bank cards.

Is Citi Double Money Visa or Mastercard?

The Citi Double Money Card is a Mastercard. This implies you should use it at thousands and thousands of areas worldwide that settle for Mastercard. 

Plus, being a Mastercard, it comes with sure advantages resembling id theft safety, zero legal responsibility for unauthorized expenses, and emergency help just about anyplace on the earth. 

However, it at all times pays to examine the fantastic print so you realize what’s included along with your particular card.

What kind of card is Citi Double Money?

The Citi Double Money Card is a cashback bank card. 

It’s identified for its easy and beneficiant cashback construction, the place cardholders earn 2% on each buy—with limitless 1% cashback once they purchase plus a further 1% as they pay for these purchases. 

This is applicable to all purchases, not simply these in particular classes. 

Due to this construction, it’s standard amongst shoppers in search of an easy approach to earn cashback with out monitoring rotating classes or sign-ups. 

The catch is that it doesn’t provide a sign-up bonus, which is commonly discovered with different reward bank cards

It additionally has international transaction charges, which might be a possible draw back for frequent vacationers.

You will discover cashback playing cards with sign-up bonuses and journey bank cards with out worldwide charges.

What credit score rating do you want for Citi Double Money?

You’ll usually want a superb to glorious credit score rating to be thought-about for the Citi Double Money Card. That sometimes means a credit score rating throughout the vary of 670 to 850. 

Nonetheless, having a credit score rating inside this vary doesn’t assure approval. 

Different components resembling your revenue, present debt, current credit score inquiries, and cost historical past additionally affect a bank card issuer’s choice.

Do Citi Double Money rewards expire?

The cashback rewards from the Citi Double Money Card don’t expire so long as your account stays open and in good standing. 

Nonetheless, it would expire in case you haven’t earned any cashback from purchases or funds for 12 months. 

To keep away from expiration, be sure that some transaction exercise earns cashback not less than annually. 

It’s at all times a good suggestion to pay attention to such particulars in your card settlement to make sure you’re benefiting from your rewards.

Whereas at it, take a look at different cashback bank cards (as much as 6% on groceries).

Is the Citi Double Money Card laborious to get?

Like many cashback bank cards, the Citi Double Money Card sometimes requires a superb to glorious credit score rating for one of the best approval odds. A credit score rating within the 670 to 850 vary is usually thought-about good to glorious. 

Nonetheless, credit score rating shouldn’t be the one issue thought-about within the utility course of. 

Bank card issuers additionally care about your revenue, employment standing, cost historical past, and general creditworthiness. 

In case your credit score historical past is moderately brief, otherwise you’ve had hassle managing credit score up to now, there could also be some challenges to getting authorised for this card. 

However keep in mind, every lender has their standards, and the ultimate approval comes right down to particular person circumstances.

In case you’re unsure, it’s in all probability higher to increase your credit score rating first earlier than making use of. And be taught how lengthy does it take to get an 800 credit score rating.

The place can you utilize the Citi Double Money card?

Being a Mastercard, the Citi Double Money Card is broadly accepted across the globe.

This implies you should use it at thousands and thousands of retailers worldwide (anyplace Mastercard is accepted), which incorporates grocery shops, eating places, gasoline stations, on-line retailers, and so forth—within the US and abroad.

A phrase of warning, although—in case you plan to make use of this card overseas or for purchases from foreign-based firms, do not forget that it has a 3% international transaction price. 

One other card with no such charges could be extra economical for worldwide journey or non-US purchases. 

See some different cashback playing cards and journey playing cards.


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