You selected the Citi Double Cash® Card. This is the simplest cashback card on the market — 2% on everything, no categories to track. Here’s what you need to know.
💰 How You Earn Cashback
+1% → When you pay for that purchase
=2% → Total cashback on EVERYTHING
No categories. No limits. No caps. Every single purchase earns the same 2% rate.
🎁 Welcome Bonus Details
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.
This bonus is awarded as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
👍 Pros & Cons
- 2% on everything — highest flat rate available
- No annual fee
- No categories to track or activate
- No caps on earnings
- 18-month 0% intro APR on balance transfers
- Can transfer points to travel partners
- 3% foreign transaction fee
- Higher spending requirement for bonus ($1,500)
- No intro APR on purchases
- Requires good credit (670+)
📋 Who Can Apply
Income: Regular income required
Citizenship: U.S. citizen or permanent resident
Age: 18+ (21+ for primary cardholders)
💵 How to Redeem Your Cashback
Your cashback is earned as Citi ThankYou® Points. You can redeem them:
- Statement credit — apply directly to your balance
- Direct deposit — transfer to your bank account
- Check — mailed to you
- Travel partners — transfer to airline/hotel programs
Minimum redemption: 2,500 points ($25) for cash back.
Ready to Apply?
Application takes about 5 minutes. Most applicants get an instant decision.
Apply Now on Citi.com →
Andrew Brooks is a qualified writer and researcher with experience producing clear, trustworthy content on topics such as personal finance, lifestyle optimization, consumer insights, productivity, and informed decision-making. With an approachable yet professional tone, he focuses on turning complex information into practical, easy-to-understand guidance that helps readers make smarter choices with confidence.