Key Insights Before Applying for the Citi Double Cash Credit Card

The Citi Double Cash card truly lives up to its name, providing double cashback rewards: 1% when you shop and another 1% when you settle your balance!

The cashback system is straightforward: earn 1% on purchases and another 1% when you pay off your balance, as long as you meet the timely payment criteria. 

Citi rewards you with Thank You Points: earn 1 point for each dollar spent and another point when you pay off your balance.

Moreover, Citi has seasonal promotions. Until the end of 2024, you can earn 5% cashback on hotel stays and car rentals booked through the Citi Travel portal.

Citi has a flexible rewards structure, meaning all eligible purchases can earn you rewards, which can come in various formats:

• Credit statement
• Direct deposits
• Checks
• Gift cards
• Travel rewards
• Amazon points

Regarding fees, this card has no annual maintenance fee. Citi offers a promotional 0% APR on balance transfers for the first 18 months.

Following this period, interest rates will range from 19.24% to 29.24%, comparable to purchase APRs. Keep in mind that balance transfers do not accrue rewards.

New cardholders can enjoy a $200 bonus after spending $1,500 on purchases within the first six months of account setup. If you think Citi is the right fit for you, continue reading.

Eligibility Criteria

To qualify for a Citi Double Cash Card, applicants must be at least 18 years old (or 21 in Puerto Rico) and should have a good financial standing, usually needing a FICO score around 670.

In addition, candidates must be legal residents of the U.S. or its territories.

This residency requirement pertains to those living in the U.S. or its territories. Foreign applicants must provide appropriate documentation.

By meeting these requirements, applicants can ensure they fulfill the essential criteria for a seamless application process, boosting their chances of getting approved for the Citi® Double Cash Card.

It’s important to keep in mind that Citi may ask for income verification documents, making it vital to have a reliable income source to prove financial stability.

The bank emphasizes that even if all criteria are met, the applications are still subject to Citi’s discretion and availability.

What’s the Process for Applying for the Citi Double Cash Credit Card?

Citi provides credit card services to both existing and new customers, streamlining the application process for those who already hold accounts or use other banking services since their details are already stored.

For non-customers, applying means filling out the designated form on Citi’s official site. This form collects necessary information such as full name, address, Social Security number, phone number, and details about income and expenses.

Throughout the application, Citi may ask for extra documentation like proof of residency, income verification, recent bank statements, and receipts of payments.

Citi is dedicated to quickly assessing credit scores and customer information to deliver a prompt response, whether it’s a yes or a no. If an application is rejected, customers might receive insights on how to improve, especially regarding their credit history.

Customers who have questions or concerns can reach out to the bank through phone, online support, or by visiting a nearby Citi bank branch.

Additional Insights

The Citi card is adorned with the Mastercard logo, ensuring widespread acceptance globally along with robust security measures.

Additionally, the Citi Double Card provides 24/7 fraud protection to keep an eye on suspicious activities, along with $0 liability for unauthorized transactions and a theft protection program from Mastercard.

For your convenience, the card offers customer service around the clock, easy integration with digital wallets, and contactless chip payments.

Another unique feature of Citi is Citi Entertainment, which grants special access to sports events, exclusive experiences, and shows.

Interested in another option?

The U.S. Bank presents a fantastic option with the Visa Platinum Credit Card, featuring an impressive introductory APR of 0% for 21 billing cycles.

So, if you’re looking for a bank as reliable as U.S. Bank, check out how to apply.