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Citi Double Cash – How to apply
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Citibank Double Cash® offers cashback rewards and a $200 bonus for new members.
Citibank Double Cash® is a card with the power to maximize your cash back rewards. In addition to cashback, it offers a special $200 bonus for new members, earned by spending $1,500 on purchases in the first six months.
This offer is delivered as 20,000 ThankYou® points, which can be redeemed in a variety of ways, including cash back, gift cards, and even travel.
It’s a way to reward new users for choosing the card and starting their savings journey.
The card also comes with an introductory offer of 0% APR on balance transfers for 18 months, making it a great option for those looking to consolidate debt.
This card works quite simply but powerfully. It allows holders to earn up to 2% cashback on all eligible purchases, divided into two stages: 1% when purchasing and a further 1% when paying the invoice.
This model encourages users to keep their payments up to date, as it is necessary to pay at least the minimum amount to receive the second 1%.
Cashback is accrued in the form of ThankYou® points, which can be converted into cash back, statement credits, direct deposits, or used for purchases and redemptions with partners like Amazon.
This gives holders incredible flexibility to use their rewards according to their preferences.
Plus, there’s no need to sign up for specific categories or worry about earning limits.
Main benefits of Citibank Double Cash® Double Cash®
One of the biggest highlights of Citi Double is the unlimited 2% cashback, which combines simplicity and efficiency.
Unlike other cards, you don’t need to choose categories or activate quarterly bonuses; everything you buy, whether in supermarkets, restaurants or online, returns in rewards.
Additionally, you can earn an additional 5% cashback on selected travel bookings made through the Cititravel℠ portal, further expanding the benefits.
Another strong point is the flexibility to redeem ThankYou® points. You can convert your earnings into cash back, statement credits, gift cards, or even use them to book travel.
This versatility ensures the card meets your needs, whether you want to save money on a daily basis or plan a special experience.
The introductory offer of $200 in cashback when you spend $1,500 in the first six months is another significant perk.
In addition to rewards, the card offers security and convenience, with 24-hour fraud protection, an extended warranty of up to two years on eligible purchases, and zero liability for unauthorized charges.
Which also includes 24/7 customer support and integration with digital wallets, making everyday life easier.
Another major attraction is exclusive access to events through the Citi Entertainment program, which offers pre-sales and special tickets.
While the Citi card has many benefits, it also has some limitations.
For example, balance transfers don’t generate cashback. If you plan to use the card primarily to consolidate debt, you won’t take advantage of the additional earnings offered on regular purchases and payments.
Another point to consider is the reward structure. Although simple, cashback is conditional on timely payment of the invoice, even if it is only the minimum amount.
Finally, standard interest rates can be high, ranging between 18.24% and 28.24% APR depending on your credit history.
If you regularly carry balances from month to month, the interest may end up outweighing the rewards you accrue.
APR and Fees
A The card’s introductory rate is 0% APR on balance transfers for 18 months, a significant perk for those looking to consolidate debt.
After this period, the variable interest rate will be between 18.24% and 28.24%, depending on your creditworthiness.
The balance transfer fee is 3% (minimum $5) for transactions made within the first four months after account opening. After that, the fee rises to 5% per transfer.
Despite this, the interest-free period on transfers is still an attractive differentiator for new card holders.
How to apply for the Citibank Double Cash
To order Citibank Double Cash®, you can start by visiting the official Citi website or through a specific offer link, such as the one presented on this page.
Make sure to fill in all requested information, including personal details, income and credit history, to facilitate the analysis of your application.
Before applying, it is important to check whether you meet the eligibility criteria. Citi may require a positive credit history to approve the card, so be sure to review your credit report and correct any potential inconsistencies.
After submitting your application, Citi typically responds in less than a minute. If approved, you can quickly start enjoying the card’s benefits, including the introductory bonus and cashback rewards.
Remember to read the terms and conditions to ensure you are aware of all fees and requirements associated with the card.
