Credit Cards » Credit Card Reviews » Citi Double Cash Credit Card Review 2021
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Citi Double Cash Credit Card Review 2021

The lack of a sign-up bonus and intro APR period for purchases may make the Citi Double Cash card a “boring” choice among a sea of competitors. But for the average consumer who makes purchases across all categories, the Citi Double Cash Card can’t be beat.

We may receive compensation from companies that appear on this page. This may impact how and where products appear on a page (including, for example, the order in which they appear). It doesn’t affect our unbiased editors’ opinions. our opinions are our own.

In This Review..

The appeal of the Citi Double Cash Card lies entirely in its simple easy-to-earn rewards plan: receive 2% rewards from every dollar spent and every dollar paid off.

The card’s combined 2% rewards rate – 1% every time you swipe and 1% after your bill is paid – boasts a mass appeal to general consumers with strong credit scores (above 700). Since it doesn’t offer rewards for any particular category of spending, the Citi Double Cash Card lets you accrue cash rewards on everything you charge with very little hassle. 

Citi Double Cash Card

On Citi’s Secure Website

Rewards Plan

2% cash back

Sign up Bonus


0% Intro

18 months




13.99% - 23.99% 

Annual Fee


Balance Transfer Fee

$5 or 3%

Credit Requirements

Good – Excellent

But what the card offers in easy rewards it sorely lacks in excitement. The card doesn’t offer many of the perks typically known to appeal to new customers. These include a sign-up bonus and rewards bigger than 2%, which is low compared to category-specific credit cards.

Let’s weigh the benefits and drawbacks of the Citi Double Cash Card – and determine whether or not it’s the right fit for your wallet… 

Card & Issuer Reputation

  • 3.5/5  on WalletHub customer reviews (+1,800 reviews): WalletHub customer reviews allow customers to post positive, negative or neutral reviews about marketplace experiences.
  • 3.9/5  on Credit Karma customer reviews (+900 reviews): CreditKarma customer reviews allow customers to post positive, negative or neutral reviews about marketplace experiences.
  • 801/1000 on J.D Power: Citi got 801 out of 1000 available points on J.D. Power credit card satisfaction survey, lower than industry average. J.D Power offers the most comprehensive and independent study of customer satisfaction of card issuers . The study aims to help consumers and issuers to understand user opinions and ratings of the largest bands. It covers terms, benefits, services, communication, rewards and more.

J.D. Power U.S. Credit Card Satisfaction Study 2020

In order to avoid bias based on a small number of reviews, we present only ratings with at least 200 reviews.


Let’s take a closer look at the benefits and drawbacks of the Citi Double Cash Card – and whether or not it’s right for your wallet.

Another highly competitive benefit is the card’s $0 annual fee, meaning you don’t have to worry about swiping your card enough to cover a fixed yearly payment. 

This is an enormous and unique benefit, as the average annual credit card fee sits near $147. 

It’s particularly unique among Citi credit cards since their average annual fee is $190, the highest of all major U.S.-based issuers.

If you accidentally make your first credit card payment late, you won’t be charged a late fee on your Citi Double Cash Card. 

This is extremely generous, as all lenders have the authority to charge fees at the maximum federal level of $27 on the first delinquent payment.

The card boasts a lengthy 18-month period of 0% fees on all balance transfers. This means that if you want to keep all of your debt on one card to avoid interest repayments on multiple cards, you can transfer your balances from other lenders onto your Citi Double Cash Card for no charge within the first 18 months.

After this period each transfer requires paying a variable APR between 13.99% – 23.99% . That’s a fair range among general-spending cards like the Citi Simplicity Card, which boasts a similar yet slightly higher range of 14.74% to 24.74%. 


Here are the most important cons you should consider before apply:

The card doesn’t offer a sign-up bonus, a common perk often used to attract customers to a new card. Many cards offer sign-up bonuses as high as $500 once you surpass a certain amount of spending within the first few months. 

Other cards can provide sign-up bonuses in forms other than cash, including the travel-specific Capital One Venture Rewards Card, which offers a sign-up bonus of 50,000 miles.

The fee is incurred when you transfer debts from one or more credit cards to your Double Cash card. This fee is $5 or 3% of the transfer, whichever is bigger.

This fee is upfront and will be added to your debt load when transferred.

Citi Double Cash has a 3% fee for each transaction in another country. If you are traveling outside of the US you may want to leave this card at home. 

Despite an intro 0% APR on balance transfers, the Citi Double Cash Card doesn’t offer an intro 0% APR on actual purchases.

Instead, all purchases from the sign-up period onward endure the variable APR between 15.99% – 23.99%, with the low end of the range still below the 15.96% national average across all U.S. credit cards.

This is uncommon among similar cards since several offer an intro 0% APR on both balance transfers and purchases. For example, the Capital One Quicksilver Cash Rewards Credit Card, which also targets general spenders, provides an intro 0% APR period of 18-month for both balance transfers and purchases. 

Application Process

Visit the double cash credit card home page and then click “Apply Now”. 

When the next page opens, fill in your personal information correctly.
Then, fill in your security number, date of birth and other important information requested.


Also fill in your financial information, and then take your time to read through the terms and conditions. 

After this, tick to agree and then click on “Agree and Submit.”


Several other credit cards provide similar rewards to the Citi Double Cash Card while also offering the enticing sign-up bonuses and intro APR periods on purchases that the Citi Double Cash Card lacks.

The Wells Fargo Propel card boasts a similarly easy and generous rewards program. Earn 3 points per $1 spent on selected gas stations, rideshares, transit, Flights, hotels, homestays, car rentals and popular streaming services. 1 point per $1 spent on other purchases.

The Wells Fargo Propel card doesn't have an annual fee it and comes with an 0% introductory APR on purchases and balance transfers for the first 15 months. After that, your APR will be 14.49% – 24.99%, based on your creditworthiness

It also offers one of the most competitive sign-up bonuses out there: 20,000 bonus points when you spend $1,000 in purchases in the first 3 months. 

The Quicklsilver cash rewards card’s earns 1.50% rewards on every dollar spent everywhere. While that’s lower than the Citi Double Cash Card’s 2% rewards on every purchase, the Capital One Quicksilver Cash Rewards Credit Card makes up for it with exciting perks.

In addition to the aforementioned intro 0% APR periods on both balance transfers and purchases, this card offers a sign-up bonus of Earn a one-time $250 cash bonus once you spend $500 on purchases within 3 months from account opening As well as a lower variable APR range between 15.49% – 25.49% after the intro period. The Quicksilver cash rewards card does not come with an annual fee.

However, there is 3% fee on the amounts transferred within the first 15 months. 

Bank of America Cash Rewards is a cashback rewards card that allows card holders to pick their own bonus category for the 3% cashback rewards. It also offer 2% back on groceries and 1% back on all other spending.

Bank of America Cash Rewards does not have an annual fee. You'll get Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening on eligible purchases. If you are looking to save money on interest, the Bank of America Cash Rewards offers a 0% introductory rate for 12 months on balance transfers. However, there is a 3% balance transfer fee required if you want to take advantage of the introductory 0% APR rate.

The APR for the Bank of America Cash Reward is a 13.99% – 23.99% variable rate. 

Is the Citi Double Cash Card Right for You?

The lack of a sign-up bonus and intro APR period for purchases may make the Citi Double Cash card a “boring” choice among a sea of competitors. 

But for the average consumer who makes purchases across all categories, the Citi Double Cash Card can’t be beat. 

The combined 1% on the front end and 1% on the backend add up to a strong 2% rewards system that not only offers a consistent stream of cash back, but also offers an incentive to build a strong credit score.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.