Learn how to apply for the Citi® Double Cash Card

What do I need to know about the Citi® Double Cash Card?

The Citi Double Cash Card’s rewards program is uncomplicated. Although it isn’t nearly as straightforward as a card with a fixed 2% cash-back rate, the card offers 2% cash-back on all purchases.

Customers will receive 1% cash back when the purchase is made and a second 1% cash back when it is paid off if they pay at least the minimum amount due on time.

We receive ThankYou points as compensation.

Every purchase qualifies for the same earning potential because there are no bonus categories, and there is no upper limit on the number of rewards that can be earned because there is no reward limitation.

Rewards are not applicable to purchases that are later returned, cash advances, account fees, interest, or balance transfers.

The rewards provided by the Citi Double Cash Card are often not too tough to get as long as the payment is made on time.

You have a variety of alternatives for using your ThankYou points to make purchases, such as cashback or travel with Citi.

With the Citi Double Cash Card, earning cash back is simple. You may opt between statement credits, checks, or direct deposits (each point equals 1 cent).

If you have a Citi travel card that qualifies, you can transfer ThankYou Points to a variety of partners, including Air France/KLM Flying Blue, Singapore Airlines, JetBlue, and more.

Additional possibilities for redemption include gift cards, swapping points with other Citi ThankYou members, and using points to pay for online purchases at partner stores.

Who can apply for the Citi® Double Cash Card?

You must be of legal age (18 years old or 21 in Puerto Rico) and in good financial standing to apply for a Citi® Double Cash Card (Generally 670 FICO Score you do the trick)

The applicant for the card must also be a resident of the United States or one of its territories.

How to apply for the Citi® Double Cash Card?

You must fill out an application for the Citi® Double Cash Card on the card’s website, which asks for your contact and residential details as well as some personal information (name, date of birth, etc.).

To get the Citi® Double Cash Card, you must also give your Social Security number and yearly salary.

Is it worth it to have a Citi® Double Cash Card?

With 2% cash back on all purchases made with the Citi® Double Cash Card, rewards are earned twice: once when the purchase is made and once when it is paid off. As long as you make at least your minimum payments on time, this income structure offers plenty of advantages all around.

Additionally, for 18 months, the card’s introductory APR on balance transfers is 0%. After that, depending on creditworthiness, the typical variable APR ranges from 16.99% to 26.99%. Additionally, there is an introductory balance transfer fee of $5 or 3% of each transfer’s value made within the first four months of account opening, whichever is higher. After that, each transfer will incur a cost of 5% (minimum $5).

People looking for a no-fee credit card that is easy to use and offers great cash-back rewards will find the Citi Double Cash credit card to be the most alluring.

This card’s exceptional cash-back earning rate gives simple and reliable rewards on everyday shopping if you’re not the type to understand point systems or sign up for quarterly bonus-rewards categories.

If you’re a more motivated consumer looking for a highly lucrative default card to use with others that offer larger points on specific purchases, it’s also a good option.

Then you would decide which card was the most lucrative for each transaction. For some transactions, you might take out a different card.

The rest would be put on your Citi Double cash card.

Citi® Double Cash Card vs Apple card

What was said right above resembles exactly the situation between these cards. The Apple Card is amazing if you consider that you are going to use a lot of Apple Pay as also as buy some Apple equipment and such then the Apple Card is right for you.

However the Citi® Double Cash Card is a card that is made for flat cashback, there are no “ifs”, just simple rewards.

So, depending on your profile, the Apple Card might be the other card to have in your wallet.

Citi® Double Cash Card benefits

• No yearly charge
• There is no cash-back cap or maximum amount that can be earned.
• The high pace of prizes
• First-rate balance transfer fee

Apple Card Benefits

• High rates of cash incentives that are competitive
• 0 fees
• Allows for the possibility of making installment payments for Apple products and integrates conveniently with Apple Pay.

How to apply for the Apple Card?

If somehow the idea of owning an Apple Card seems good to you, make sure to check out our article on how to apply for an Apple Card right now!

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