If your goal is to maximize cash back with zero mental effort, the CitiĀ® Double Cash Card is one of the best tools Ć disposiĆ§Ć£o. Oferecendo 2% de retorno em tudo o que vocĆŖ compra ā 1% quando vocĆŖ gasta, e mais 1% quando paga ā esse cartĆ£o se destaca por sua simplicidade, eficiĆŖncia e valor direto. Sem taxas anuais, categorias, ou ativaƧƵes.
What is the CitiĀ® Double Cash Card?
The CitiĀ® Double Cash Card is a flat-rate cash back credit card that rewards users with 2% total cash back on every purchase:
- 1% when you buy
- 1% when you pay the bill
This simple structure makes it one of the most consistent and easy-to-use cards for people who want cash, not points, and donāt want to think about rotating categories or spending limits.
Key Features and Benefits of the CitiĀ® Double Cash Card
1. 2% Cash Back on Everything
Earn an unlimited 2% cash back ā no matter the category. You get:
- 1% when you make the purchase
- 1% when you pay it off
Thereās no cap, no enrollment, and no category management required.
2. No Annual Fee
Keep your full rewards ā there’s no fee to carry the card, making this one of the most cost-effective long-term cards in the market.
3. Intro 0% APR on Balance Transfers
Get a 0% introductory APR for 18 months on balance transfers (then a variable APR applies). This makes the card especially attractive for paying down existing debt.
ā ļø Note: Balance transfers do not earn cash back and are subject to a transfer fee (typically 3ā5%).
4. Redeem Your Cash Back, Your Way
Your cash back is earned as Citi ThankYouĀ® Points, which you can:
- Redeem as a statement credit, check, or direct deposit
- Use for gift cards, travel, or purchases via the ThankYouĀ® portal
- Transfer to airline partners (when paired with a Citi PremierĀ® card)
This flexibility makes it more than just a simple cash card ā it’s also a gateway to travel rewards.
5. Unlimited Rewards That Donāt Expire
As long as your account remains open and in good standing, your rewards never expire.
6. Citi EntertainmentĀ® Access
Get early or exclusive access to concerts, events, presales, and VIP experiences through Citi Entertainment, a unique lifestyle benefit included with all Citi cards.
7. Digital Wallets + Security Features
The card is compatible with Apple PayĀ®, Google PayĀ®, Samsung PayĀ®, and comes with:
- $0 Liability on unauthorized charges
- Fraud alerts and account monitoring
- Virtual card numbers for safer online shopping (via CitiĀ® Virtual Account Numbers)
Important Considerations Before Applying
- You must pay to earn full rewards: You earn the second 1% only after payment is made ā no rewards on balances carried month to month.
- No bonus categories: This card shines on simplicity, but isnāt optimized for travel, groceries, or dining ā if those are your largest spend categories, pair it with a specialized card.
- No welcome bonus (in some versions): Offers may vary. Some versions offer no sign-up bonus; others may offer $200+ after qualifying spend. Always check the current promo before applying.
- Foreign Transaction Fee: A 3% fee applies on international purchases, making it less ideal for overseas travel.
š How to Apply for the CitiĀ® Double Cash Card
1. Go to citi.com
Find the Citi Double Cash Card under āCash Backā cards.
2. Review the Current Terms
Confirm the current intro APR offer, any welcome bonus, and the cardās full disclosure.
3. Click āApply Nowā
Enter your name, SSN, income, employment, housing info, and submit securely.
4. Wait for Approval
Citi may provide instant decisions for qualified applicants. If approved, your physical card typically arrives in 7ā10 business days.
Conclusion: Is the CitiĀ® Double Cash Card Worth It?
Absolutely ā if you want maximum cash back with minimum effort.
With 2% flat-rate rewards, no annual fee, and long-term balance transfer value, the CitiĀ® Double Cash is perfect as a primary everyday card or a complement to your rewards setup.
It’s a strong contender for anyone looking for:
- A reliable daily driver card
- A no-fee backup for uncategorized spend
- A tool for debt management via balance transfers
Apply Now and start earning twice on every purchase ā simple, smart, and always rewarding.
