Citibank · Mastercard

Citi Double Cash® Card

Credit $200 Bonus 0% Intro APR · 15 mo

$0 Annual Fee

21.24%–29.24% Variable Purchase APR

$200 Welcome Bonus

670+ Recommended FICO

Welcome Bonus

$200

Welcome Bonus Value

Spend $1,500 in the first 180 days

Bonus Posted Bonus ThankYou® Points will appear in your ThankYou® Account 1-2 billing cycles after you meet the spend requirement.

Rewards

Category	Rate	Type	Cap
Top Eligible Spend Category Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent. Eligible categories include: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, and Live Entertainment.	5x	Cash Back	No cap
All Other Purchases Earn 1% cash back on all other purchases, including those made after the $500 monthly cap in your top eligible spend category.	1x	Cash Back	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
Contactless Payment Tap to pay securely at millions of merchant locations worldwide wherever you see the contactless symbol.	Convenience	Fast and secure payment method
Digital Wallet Compatibility Easily add your Citi Custom Cash Card to popular digital wallets like Apple Pay®, Google Pay™, and Samsung Pay® for secure and convenient payments.	Convenience	Secure and convenient payment options
Citi Entertainment Access Access to presale tickets and exclusive experiences for thousands of concerts, sporting events, dining experiences, and more.	Lifestyle	Exclusive access to entertainment events
1% Cash Back on All Other Purchases Earn 1% cash back on all other purchases outside of your top eligible spend category, and on purchases within your top category after the $500 spending limit is reached.	Rewards	1% cash back
5% Cash Back on Top Eligible Spend Category Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent. Eligible categories include Restaurants, Gas Stations, Grocery Stores, Travel, Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, and Live Entertainment.	Rewards	5% cash back on up to $500 spent per billing cycle Up to $500
Citi Identity Theft Solutions Assistance with identity theft resolution services if your identity is stolen. Includes help with notifying creditors, disputing fraudulent charges, and replacing important documents.	Security	Identity theft resolution assistance
Customizable Account Alerts Receive alerts via email or text message for important account activity, such as large purchases, payments due, or suspicious transactions, to help monitor your account.	Security	Real-time account monitoring
Zero Liability Fraud Protection You will not be held responsible for unauthorized charges made with your card or account information.	Security	Full protection against unauthorized charges

Interest Rates

Intro Purchase APR for 15 months

Intro Balance Transfer APR for 15 months

Purchase APR 21.24%–29.24% Variable

Balance Transfer APR 21.24%

Cash Advance APR 29.99%

Min. Interest Charge $0.5

Deferred Interest Warning: If you have a deferred interest special financing offer, interest will be charged to your account from the purchase date if the balance is not paid in full by the end of the promotional period.

Fees

Annual Fee $0 — No Annual Fee

Foreign Transaction Fee None

Balance Transfer Fee Either $5 or 5% of the amount of each balance transfer, whichever is greater.

Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater.

Late Payment Fee Up to $41

Returned Payment Fee Up to $41

Approval & Eligibility

670 Recommended minimum FICO · Range 670–850

300 Poor 580 Fair 670 Good 740 Very Good 800+ Exceptional

Approval Difficulty Moderate

Credit Profile Good

Approval Odds Very Good

Decision Time Instant

Pre-Qualification Available (no hard pull)

Student Eligible No

Co-Applicant Not allowed

Business Eligible No

Credit Limit Range $500 – No limit listed

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 8 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending (MS), excessive credit cycling, rapid application for multiple cards (especially violating Citi's 1/8 and 2/65 rules), high cumulative credit limit relative to reported income, sudden drastic changes in spending patterns, non-payment or late payments, or suspected fraud.

Cliff Effect Rules

The 24-month rule acts as a 'cliff effect' for the Citi ThankYou Rewards family. Receiving a welcome bonus on any card within this family (e.g., ThankYou Preferred, Premier, Prestige) makes an applicant ineligible for a bonus on *any other* card in the same family for 24 months from the date the bonus was received. This rule is designed to prevent 'churning' of bonuses across different products within the same rewards program.

International Friendly

May have limitations for international use.

Additional Issuer Rules

Applicants for a Citi ThankYou Rewards card (often internally referred to by '920' for a specific product or offer within the family) are generally eligible for a welcome bonus if they have not received a new cardmember bonus for *any* card within the ThankYou Rewards family (e.g., Citi ThankYou Preferred, Citi Premier, Citi Prestige) in the past 24 months. This rule also typically applies to having closed any ThankYou Rewards card account within the same 24-month period. Eligibility is further subject to Citi's general application frequency rules, such as not applying for more than one Citi card in 8 days, or more than two Citi cards in 65 days.

Citibank

Annual Fee

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Welcome Bonus $200

APR 21.24%–29.24% Variable

Quick Summary

Annual Fee Free

Welcome Bonus $200

Intro APR 0% · 15 mo

Min. FICO 670+

Network Mastercard

Card Type Credit

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