Learn How to Apply for a Citi Double Cash Card

Understanding the Citi Double Cash Card: What You Need to Know

The Citi Double Cash Card is designed with a simple, yet lucrative rewards program that
offers 2% cash back on all your purchases. There are no specific bonus categories, so you earn the same level of rewards regardless of what you buy and there’s no maximum limit to what you can earn.

Keep in mind, though, you earn your cash back in two increments: 1% when you make the purchase and another 1% when you pay it off, so long as you meet your minimum payment on time. These rewards are given as ThankYou points.

It’s important to note that balance transfers, cash advances, account fees, interest and items that are returned for a refund aren’t eligible for rewards.

There’s plenty of flexibility when it comes to redeeming ThankYou points, from using them for cash back to transferring them to travel partners.

The selling points of this card include its high cash back rate, which is twice the industry average at 2%, and its security features, which help protect against identity theft with alerts and monitoring.

You also get plenty of options when redeeming points, including using them for statement credits, gift cards and transfers to travel partners.

In essence, the Citi Double Cash Card is a great credit card for those who consistently pay their bills on time, allowing them to maximize their reward earnings.

Who is Eligible?

To qualify for a Citi Double Cash Card, you must meet the legal age requirement, which is 18 years old, or 21 years old in Puerto Rico, maintain good financial health, which generally means having a FICO score around 670, and be a resident of the United States or one of its territories.

However, it’s also important to note that you may need to provide proof of your income and some other documentation might be needed in the application process.

How to Apply for the Citi Double Cash Card?

Both its existing customers and others can apply for the Citi Double Cash Card. Current customers find the process easier since the bank already has their information. Persons not presently banking with Citi must provide the necessary information, such as full name, address, Social Security number, phone number, and income and expense details on a form available on the bank’s official website.

The bank may request further documentation like proof of residence, income verification, and updated bank statements during the application process.

Citi promises a quick review of your credit scores and personal data with an equally prompt response on your application status. If a denial is issued, they provide specific feedback on areas of improvement like credit history.

If you have any issues or need clarifications during the application, Citi encourages you to contact them directly via phone, their online support system, or visiting any of their accredited branches.

Additional Information

The card also rewards users with a cash back bonus of $200 for spending at least $1,500 within the first six months. Additionally, the bank occasionally runs seasonal promotions, including a 5% cash back bonus on certain travel purchases.

Users can utilize the card’s contactless payment features, digital wallets, or the traditional PIN method. Additionally, it offers 24-hour support, along with fraud and loss protection and an identity verification feature. Uniquely, it also offers access to a variety of events and promotions through the Citi Entertainment platform.

Looking for Other Options?

While the Citi Double Cash Card serves a wide array of needs, it might not be the perfect fit for everyone. In that case, there are other options available, including the U.S. Bank Visa Platinum, another popular choice backed by one of the nation’s leading financial institutions.

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