Citi Double Cash – How to apply

This credit card offers convenience, security and financial versatility for all your users.

Now with the card Citi your everyday purchases will be a simple and efficient way to accumulate cash back. 

That’s right! With the possibility of earning 2% cash back on all purchases — 1% when you make the purchase and another 1% when you pay your invoice.

Additionally, Citi Double offers an exclusive benefit for those who love to travel. 

When you book hotels, car rentals and attractions through Citi Travel℠ through 12/31/2025, you can earn up to 5% cash back, making the travel planning experience even more rewarding. 

There’s no limit to the amount of cash back you can earn, and there’s no need to track categories or complete complicated signups.

How does the Citibank Double Cash-back work?

The Citibank Double Cash-back is one of the most popular credit cards for those looking for hassle-free cash-back rewards. It offers unlimited 2% cashback on all purchases: 1% when you make the purchase and 1% when you pay the invoice. 

You also earn cash back on purchase payments, meaning you can continue earning cashback while you pay off your balance.

In addition to being easy to use, the Citi Double has no category restrictions, making it a great card for those who prefer an effortless approach. 

And you can earn cashback on virtually any purchase you make, without having to keep track of different rewards categories or sign up for special programs. 

Another highlight of this card is the possibility of transferring balances with a low initial interest rate. For those who already have a balance on another card and are looking to reduce interest costs.

Main benefits of Citibank Double Cash-back

One of the main advantages of Citi Cash-back is its simplicity. The card offers a 2% cash back rate on all purchases, with no category limitations or sign-up requirements. 

Furthermore, when paying the bill, you continue to accumulate cashback, which maximizes the card’s benefits.

Another important benefit is the offer of 5% cashback on travel reservations made through the Cititravel portal until the end of 2025. 

This includes hotels, car rentals and tourist attractions, which is an excellent advantage for those who love to travel. This added benefit offers a convenient way to earn more cash back on your travels.

The Citi Double is also ideal for those who want flexibility in their redemption options. 

And you can redeem the points you earn for cash back, statement credit, direct deposit, or even for purchases on sites like Amazon. 

Cons of Citibank Double Cash-back

One of the main negatives is the high variable interest rate, which varies between 18.24% and 28.24% depending on your credit score. 

This means that if you’re unable to pay off your balance in full each month, interest charges can accumulate quickly and diminish your cashback benefits.

Another negative is the balance transfer fee, which starts at 3% for transfers made in the first 4 months, increasing to 5% after that period. 

Although the card offers a low interest rate for 18 months on balance transfers, this rate can still be a deterrent for those who already have an accumulated credit card balance and want to transfer it to a new card.

Finally, while the Citi card is great for cash back, it doesn’t offer benefits like travel insurance or purchase protection, which are common with other top-tier credit cards. 

APR and Fees

Citi Double offers a low initial interest rate on balance transfers, with 0% APR for the first 18 months. 

After this period, the variable APR will be 18.24% to 28.24%, based on your creditworthiness. 

It’s an excellent option for those looking to transfer balances from higher-interest cards to reduce finance charges, but only if you can pay off the balance within the promotional period.

Additionally, the card charges a 3% balance transfer fee for the first 4 months after account opening. 

And after the first 4 months, the fee goes up to 5%, which can affect the amount you save when you transfer your balance.

The card has no annual fee, which is a great advantage for those looking for a cashback card without additional costs. 

How to apply for the Citi Cash-back

To request the Citibank Double Cash-back card, just go to the official Citi website and fill out an online application form. 

You will need to provide some basic information such as your name, address, phone number, email and financial information such as your monthly income. 

Additionally, you will need to authorize a credit check, which will determine your eligibility for the card and the applicable interest rate.

Once approved, you will receive the card within a few business days. Once you receive your card, it’s important to activate it and set up your online account to start tracking your purchases and cashback rewards. 

The Citi portal provides an easy-to-use platform to track your points and manage your finances.

When using Citibank Double Cash-back, make sure you pay your balance in full each month to make the most of the cashback and avoid high interest. 

And don’t forget to take advantage of the $200 bonuses available in the first 6 months by making the necessary purchases to qualify.