Learn How to Apply for the Citi Double Cash Credit Card

What do You Need to Know Before Applying for the Citi Double Cash Credit Card?

As the name suggests, the Citi Double Cash card offers double rewards: 1% cashback when you make a purchase and 1% when you pay!

Earning cashback follows a two-step process: customers receive 1% when making a purchase and an additional 1% when the balance is paid off, provided they meet the minimum payment requirement on time. 

The rewards with Citi are provided in the form of Thank You Points, where each $1 spent earns 1 ThankYou point plus an additional point for every $1 paid.

Additionally, Citi offers special seasonal conditions. Until the end of 2024, you will receive 5% cashback on hotel and car rentals booked through the Citi Travel portal.

Citi does not distinguish between categories, so all valid purchases may be eligible for rewards, and you can receive rewards in various ways:

• Statement of credit
• Direct deposit
• Check
• Gift cards
• Travel
• Points on Amazon.com

In terms of costs, the card does not charge an annual maintenance fee. Citi comes with a low introductory APR of 0% on balance transfers for 18 months.

After that, rates vary from 19.24% to 29.24%, similar to the APR for purchases. It’s worth noting that balance transfers do not count as rewards.

For new cardholders, there’s a $200 bonus offer after spending $1,500 on purchases within the first six months of account opening. If you believe that Citi can assist you, keep reading.

Who can Apply?

To be eligible for a Citi Double Cash Card, individuals must meet age requirements (18 years old or 21 in Puerto Rico) and maintain a favorable financial status, typically requiring a FICO score of around 670.

Additionally, applicants must be legal residents of the United States or one of its territories.

This residency criterion applies to individuals living within the U.S. or its territories. For foreign applicants, having proper documentation is necessary.

By fulfilling these prerequisites, applicants ensure they satisfy the necessary conditions for a smooth application process and enhance the chances of Citi® Double Cash Card approval.

It’s worth noting that Citi may request income verification documents, so having a verifiable income source is crucial to demonstrating financial stability.

The bank underscores that while meeting all criteria, applications are still subject to Citi’s availability.

How do I Apply for the Citi Double Cash Credit Card?

Citi offers its credit card services to both current and prospective customers, simplifying the application process for existing account holders or those who use other banking services, as their information is already on file.

For non-customers, applying involves completing the provided form on Citi’s official website. This form requests essential details such as full name, address, Social Security number, phone number, and financial information, including income and expenses.

During the application process, Citi may request additional documents like proof of residency, income verification, recent bank statements, and payment receipts.

Citi is committed to promptly reviewing credit scores and customer data to provide a timely response, whether positive or negative. If an application is denied, customers may receive feedback on areas for improvement, particularly regarding their credit history.

Customers with inquiries or issues can contact the bank directly via phone, online support, or by visiting an accredited Citi bank branch.

More Details

The Citi card comes with the Mastercard emblem, offering high acceptance worldwide and strict security protocols.

To reinforce this, the Citi Double also features 24-hour fraud protection to monitor unusual activities, $0 liability for unauthorized purchases, and a theft protection program from Mastercard itself.

For everyday convenience, the card provides 24/7 customer service and seamless integration with digital wallets, as well as contactless chip payment.

Another exclusive benefit of Citi is Citi Entertainment, offering special access to sporting events, exclusive experiences, and shows.

Want to learn another option?

The U.S. Bank offers the excellent choice of the Visa Platinum Credit Card, providing an extended introductory APR period of 0% for 21 billing cycles.

Therefore, if you are seeking another bank as secure as U.S. Bank, you can see exactly how to apply.

Written by

Gabriel Gonçalves