Learn How to Apply for the Citi Double Cash Credit Card

Essential Insights Before Applying for the Citi Double Cash Credit Card

The Citi Double Cash card is aptly named, as it provides double rewards: earn 1% cashback on purchases and another 1% when you pay!

Cashback is earned through a two-step method: you get 1% back when you make a purchase and another 1% once your balance is paid off, as long as the minimum payment is made on time.

With Citi, rewards are given in the form of Thank You Points, where every dollar spent earns one point, and you earn an extra point for each dollar paid.

Citi has special promotional offers. Until the end of 2024, you can earn 5% cashback on hotel and car rental bookings made via the Citi Travel portal.

Citi does not categorize purchases, meaning all eligible purchases can earn rewards, and you can receive rewards in multiple ways:

Credit Statement
Direct Deposit
Check Payment
Gift Cards
Travel Rewards
Amazon Points

Regarding costs, the card has no annual fee. Citi also offers a low 0% introductory APR on balance transfers for 18 months.

After that period, the rates range from 19.24% to 29.24%, similar to the purchase APR. It’s important to note that balance transfers do not earn rewards.

New cardholders can benefit from a $200 bonus offer after spending $1,500 on purchases in the first six months of opening the account. If you think Citi is a good fit for you, continue reading.

Who is Eligible to Apply?

Discover the services of Citi Double Cash. Photo by Freepik.

To qualify for the Citi Double Cash Card, applicants must be at least 18 years old (21 in Puerto Rico) and should have a favorable financial profile, generally requiring a FICO score of around 670.

Moreover, applicants must be legal residents of the U.S. or its territories.

This residency requirement applies to those living in the U.S. or in its territories. Foreign applicants must have the necessary documentation.

By meeting these requirements, applicants can ensure they meet the essential criteria for a smooth application process and increase their chances of being approved for the Citi® Double Cash Card.

It’s important to remember that Citi might ask for documents verifying income, so having a reliable income source is vital for showing financial stability.

The bank emphasizes that while all criteria must be satisfied, applications remain subject to Citi’s availability.

How Can I Apply for the Citi Double Cash Card?

Citi provides credit card services to both current clients and potential new customers, making the application process easier for those who already have accounts or use other banking services, as their details are already stored.

For non-customers, the application entails filling out a form on Citi’s official website, which collects vital information like your name, address, Social Security number, contact details, and financial data including income and expenses.

Throughout the application process, Citi might ask for further documentation such as proof of residency, income statements, recent bank statements, and any payment receipts.

Citi is dedicated to quickly reviewing credit scores and customer information to ensure a timely response, whether the outcome is positive or negative. Should an application be denied, customers may get insights on what to improve, especially regarding their credit history.

For any questions or concerns, customers can reach out to the bank via phone, online support, or by visiting a nearby authorized Citi branch.

Additional Information

The Citi card features the Mastercard logo, ensuring broad acceptance globally and a robust security framework.

Additionally, the Citi Double offers 24/7 fraud protection that monitors for any suspicious activities, a $0 liability for unauthorized transactions, and a theft protection service provided by Mastercard.

For your convenience, the card includes 24/7 customer support and integrates smoothly with digital wallets, plus it supports contactless chip payments.

Another unique perk of Citi is Citi Entertainment, giving cardholders exclusive access to sporting events, unique experiences, and live performances.