What Does the Citibank Double Cash Back Card Do and Its Key Features

The Citibank Double Cash Back Card is a popular rewards credit card that offers a unique cash back benefit. You can earn 2% cash back on all purchases, with 1% cash back as a statement credit when you buy, and an additional 1% cash back when you pay your statement balance.

One of its key features is that there is no rotating categories or spending limits, so you can earn cash back on all your purchases. This makes it a great option for people who want a simple and straightforward rewards program.

This card also has no annual fee, which is a big plus for those who don't want to pay extra for a rewards card.

The Citi Double Cash Back Card is a great option for those looking for a simple and straightforward cash back rewards program. It offers 2% cash back on all purchases, with no rotating categories or spending limits.

New cardholders can earn a $200 cash back bonus after spending $1,500 on purchases in the first 6 months of account opening. This bonus will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back.

Cardholders can redeem their cash back rewards in various ways, including statement credit, bank account deposit, or a check. They can also transfer their points to a handful of partners, such as JetBlue and Wyndham.

The Citi Double Cash Card also offers a 0% intro APR on balance transfers for 18 months, with an ongoing APR of 18.49%-28.49% Variable APR. There is a balance transfer fee of 3% of the amount transferred or $5 (whichever is greater) for transfers completed within the first four months of account opening.

Here's a breakdown of the card's key features:

Overall, the Citi Double Cash Back Card is a great choice for those who want a simple and easy-to-understand cash back rewards program.

The Citi Double Cash Card is a valuable workhorse among credit cards, offering 2% cash back on every purchase. This is achieved by earning 1% cash back when you make a purchase and an additional 1% cash back when you pay it off.

The card has an annual fee of $0, making it a great option for those who want to earn cash back without incurring additional costs. You can earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.

Here are some key details about the Citi Double Cash Card:

The card also offers a special travel offer, earning 5% total cash back on hotel, car rentals, and attractions booked on the Citi Travel℠ portal through 12/31/25. To earn cash back, you must pay at least the minimum due on time.

The Citi Double Cash Card is designed to help you establish good credit habits by earning 2% cash back on all purchases. This is achieved by getting 1% cash back on every dollar you spend, and another 1% back on every dollar you pay back.

Paying off your charges as quickly as possible is actually a great idea, as it not only earns you more cash-back rewards but also helps increase your credit score. This is because the card's rewards structure incentivizes you to pay off your balances quickly.

To redeem your cash back, you have a few options. The simplest way is to take the money as a statement credit, which reduces your balance by the amount of cash back you've earned. For example, if you have $50 in cash back, you can apply it to your account and reduce your balance by $50.

The Citi Double Cash Back Card is a popular choice for those looking for a low-hassle, flat-rate rewards card.

Its rewards apply to all spending and have no limit, making it a great option for everyday purchases.

One of the biggest pros of this card is that it offers 2% back on every purchase, as mentioned in Example 2.

You can also convert your rewards to ThankYou points with an eligible card, giving you even more redemption options.

The card has no annual fee, which is a major plus.

However, it's worth noting that the APR is on the higher end, so be mindful of that when making purchases.

Here's a summary of the pros and cons:

The card's drawbacks include that it's less rewarding than cards that offer elevated rewards on spending at everyday places like restaurants, supermarkets, or gas stations, as mentioned in Example 3.

Despite this, the Citi Double Cash Back Card is still a great option for those who want a simple, hassle-free rewards card.

The Citi Double Cash Card offers a 2% cash back reward on all purchases, with no rotating categories or spending limits.

This means you can earn cash back on everything from groceries to gas to dining out.

The card's cash back reward is broken down into 1% cash back when you make a purchase and an additional 1% cash back when you pay for that purchase.

The Citi Double Cash Card also has no annual fee, making it a great option for those who want to earn cash back without paying extra.

You can redeem your cash back rewards for a statement credit, check, or direct deposit into a bank account.