
The Citi Double Cash Card referral program offers a unique opportunity to maximize your rewards. You can earn up to $700 in bonus cash back within the first year.
To start, you'll need to refer friends and family to the Citi Double Cash Card. For each approved referral, you'll receive $200 in bonus cash back, with no caps on the number of referrals you can make.
This means you can continue to refer friends and family throughout the year, potentially earning up to $700 in bonus cash back.
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Citi Double Cash Card Benefits
The Citi Double Cash Card Benefits are a major draw for many users. You can earn unlimited 2% cash back on all purchases, with no rotating categories or spending limits.
The card has no annual fee, making it a great option for those who want to earn cash back without paying extra. This means you can keep more of your hard-earned money.
You can redeem your cash back rewards at any time, with no minimum redemption amount required. This flexibility is a major perk, allowing you to cash in on your rewards whenever you need to.
The Citi Double Cash Card also offers purchase protection, which can help protect you against damaged or stolen items. This can give you peace of mind when making purchases online or in-store.
You can also take advantage of the card's extended warranty benefits, which can extend the warranty on eligible purchases beyond the original manufacturer's warranty. This can save you money in the long run.
Rewards
The Citi Double Cash Card referral program is a great way to earn rewards and cash back. You can earn $100 as a statement credit for each referral, and the new member gets $125 or $625 in cash back rewards.
To earn cash back, you need to pay at least the minimum due on time, and cash back is earned in the form of ThankYou Points. You can redeem your points for cash back as a statement credit, direct deposit, or check, or explore other ways to redeem points including for gift cards, travel, and Shop with Points at Amazon.com.
A unique perspective: American Express Platinum Card Referral
The Citi Double Cash Card offers unlimited 1% cash back on every purchase, plus an additional 1% as you pay, with no category restrictions or enrollment needed. No limit on the amount of cash back you can earn.
You can also earn a special travel offer, earning 5% total cash back on hotel, car rental, and attractions when booked on the Citi Travel portal through 12/31/2025.
Here are the details of the referral offers:
- Get $100 when referring a friend to Citi Double Cash. New member gets $125/$625.
- Get 10,000 ThankYou points when referring a friend to Citi ThankYou Premier card. New member gets 50k/$4k.
- Get 10,000 American Airlines miles when referring a friend to Citi AA Platinum Select card. New member gets 50k/$3k.
Note that you need to get a targeted email from Citi or a popup when you login to get the referral offer, and you should only post your email address and the card you have a referral for.
Fees and Restrictions
The Citi Double Cash Card has a balance transfer fee that's worth noting. This fee is 3% of each transfer (minimum $5) if completed within the first 4 months of account opening.
If you're looking to make a balance transfer after the initial 4 months, be aware that the fee increases to 5% of each transfer (minimum $5).
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No Caps, No Restrictions

The Citi Double Cash Credit Card has no restricting categories to keep track of or to enroll in, making it a hassle-free option for earning cash back.
This means you don't have to worry about remembering to use your card for specific purchases or enrolling in certain categories to earn rewards.
There are also no caps on the amount of cash back you earn, so you can keep earning without worrying about reaching a limit.
This freedom to earn cash back without restrictions makes the Citi Double Cash Credit Card a great option for those who want a simple and straightforward rewards program.
Here's an interesting read: Custom Cash Card Categories
Fraud Protection
Citi offers 24 Hour Fraud Protection, which alerts you if they see unusual activity on your account.
This means you'll get timely warnings if something suspicious happens, giving you a chance to take action and keep your account secure.
Citi will alert you if they see unusual activity on your account, providing an added layer of protection against potential fraud.
Additional reading: Consumer Financial Protection Bureau Credit Cards
Balance Transfer Fee
The balance transfer fee is a charge you'll pay when moving existing debt to a new credit card. This fee can be a significant cost, so it's essential to understand how it works.
There is an introductory balance transfer fee of 3% of each transfer, with a minimum fee of $5. This fee applies to balance transfers completed within the first 4 months of account opening.
If you complete a balance transfer after 4 months, the fee jumps to 5% of each transfer, with a minimum fee of $5. This can add up quickly, so be sure to factor it into your budget.
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Highlights
The Citi Double Cash Card is a great option for those looking for a no-annual-fee cash-back card. You can earn a $200 cash back bonus after spending $1,500 on purchases in the first 6 months of account opening.
The card offers a straightforward rewards structure, where you earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, simply pay at least the minimum due on time.
A special travel offer is also available, where you can earn 5% total cash back on hotel, car rentals, and attractions booked on the Citi Travel portal through 12/31/25.
Here are the details of the balance transfer offer: 0% intro APR on Balance Transfers for 18 months, after that the variable APR will be 18.24% - 28.24%, based on your creditworthiness.There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening.
Just remember, balance transfers do not earn cash back, and intro APR does not apply to purchases.
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Frequently Asked Questions
Does Citi have a credit card referral program?
Yes, Citi has a credit card referral program that allows you to refer friends to select high cashback credit cards. You can refer up to five friends per year to earn rewards and benefits.
Sources
- https://www.citi.com/credit-cards/citi-double-cash-credit-card
- https://www.citi.com/credit-cards/citi-double-cash-credit-card/additional-information
- https://www.cnbc.com/select/citi-double-cash-card-welcome-bonus-offer/
- https://wallethub.com/answers/cc/citi-double-cash-referral-1000630-2140753494/
- https://www.doctorofcredit.com/citi-credit-card-referral-thread-for-aa-double-cash-and-premier/
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