Earn More with Every Purchase Using the Citi Double Cash® Card

Imagine a credit card that rewards every purchase, with no annual fees and effortless cash back.

Sounds too good to be true, right? That’s the Citi Double Cash® Card, one of the most loved cards for anyone looking to maximize rewards in their everyday spending.

If you’re searching for a way to make your purchases work harder for you, stick with me!

In this article, I’ll walk you through everything you need to know about this amazing card, from how it works to tips for getting the most out of it.

Get ready to see how your daily spending can turn into real cashback!

Why the Citi Double Cash® is Perfect for You

Let’s start with what makes this card shine: simplicity. With the Citi Double Cash® Card, you earn 2% cashback on every purchase—1% when you buy and another 1% when you pay your bill.

That’s right! Whether it’s groceries, gas, online shopping, or your morning coffee, every dollar you spend earns you a return.

And the best part? There’s no limit to how much cashback you can earn. So, the more you use it, the more you get back.

Plus, this card has no annual fee. That means you get to enjoy all the rewards without spending a dime to keep the card in your wallet.

Want a little extra boost? In the first 6 months, if you spend $1,500, you’ll score a $200 cashback bonus (or 20,000 ThankYou® Points). Can you imagine what you’d do with that extra cash?

Benefits That Go Beyond Cashback

The Citi Double Cash® doesn’t stop at cashback. It comes with a bunch of benefits that make your experience even better. Let’s take a look at the highlights.

• Introductory 0% APR for Balance Transfers: If you have high-interest balances on other cards, the Citi Double Cash® helps. It offers 0% APR for 18 months on balance transfers made within the first 4 months, giving you time to manage your finances. After that, the APR is 15.24%–25.24%, depending on your credit.
• Extended Warranty: As of November 2024, the card includes extended warranty protection for items bought with it. This means the manufacturer’s or store’s warranty can be doubled, up to 24 months, with a limit of $10,000 per claim. Bought a new TV or appliance? The Citi gives you that extra peace of mind at no additional cost.
• Fraud Protection: Nobody wants the headache of dealing with fraud, right? With the Citi Double Cash®, you have zero liability for unauthorized charges. Citi monitors your account and alerts you if anything looks off. Plus, through its partnership with Mastercard, you get identity theft protection, with free alerts for suspicious activity. Just sign up at Mastercard’s identity protection site, and you’re covered.
• Citi Entertainment®: If you’re into concerts, sports events, or exclusive experiences, Citi Entertainment® is a big perk. With the card, you get access to presale tickets and special offers for amazing events. Ever wanted to snag a spot at that sold-out show? This benefit can make it happen.
• Contactless Payments and 24/7 Support: The card supports contactless payments and works with digital wallets like Apple Pay and Google Pay. Just tap your card or phone to pay—super easy. And if you have questions? Citi’s customer service is available 24/7 via phone or chat through the Citi Mobile app, which also lets you manage your balance, bills, and rewards effortlessly.

How to Redeem Your Rewards

Now that you know how you earn cashback, let’s talk about how to use it. The ThankYou® Points are incredibly flexible, and you can redeem them in several ways:

• Cash in hand: The best option is direct deposit to your bank account or a statement credit. Each point is worth 1 cent, so 10,000 points = $100 in your pocket. Easy peasy!
• Gift cards: Swap your points for gift cards from popular stores. It’s a great way to treat yourself or someone special.
• Travel: Use points to book flights, hotels, or car rentals through Citi Travel. And, as I mentioned, booking hotels, car rentals, or attractions through the portal earns you 5% total cashback.
• Amazon shopping: With Shop with Points, you can use your points directly on Amazon. Perfect for that impulse buy you’ve been eyeing.
• Transfer to partners: If you have another Citi card, like the Citi Strata Premier, you can transfer points to airline or hotel loyalty programs for even more value.

The best part? There’s no cap on how many points you can earn, and they don’t expire as long as your account stays active. So, you can save up for a big redemption or use them little by little—it’s up to you.

Tips to Maximize Your Citi Double Cash®

Want to make this card work even harder for you? Here are some practical tips to boost your rewards:

• Use it for everything: Since the 2% cashback applies to all purchases, make the Citi Double Cash® your go-to card. Bills, groceries, streaming, gas—everything counts!
• Pay your bill on time: To lock in the extra 1% cashback, pay at least the minimum due before the deadline. Setting up autopay in the Citi Mobile app can save you from forgetting.
• Book through Citi Travel: Plan your trips via Citi Travel to earn 5% cashback on hotels, car rentals, and attractions. It’s a great way to supercharge your rewards.
• Pair with other Citi cards: If you have or plan to get the Citi Strata Premier or Citi Rewards+, you can combine ThankYou points for more valuable redemptions, like transferring to travel partners.
• Track your points: The Citi Mobile app shows your points in real-time. Keep an eye on them and plan your redemptions ahead of time.

How to Apply for the Citi Double Cash®

Ready to get this card in your wallet? Applying for the Citi Double Cash® is a breeze. You can do it online at www.citi.com.

Just head to the cards section, select the Citi Double Cash®, click “Apply Now,” and fill out the form with your personal and financial info.

The process is quick, and you might get a response in minutes. If you prefer, you can also call Citi’s customer service and apply over the phone.

Once approved, the card arrives in up to 15 days, and you can start using it to rack up cashback and grab that $200 bonus (by spending $1,500 in the first 6 months). Piece of cake, right?

Benefits Table for the Citi Double Cash®

To make it easier to see, here’s a table with the card’s key benefits:

Benefit	Details
Cashback	2% on all purchases (1% at purchase + 1% at bill payment)
Travel Cashback	5% on hotels, car rentals, and attractions via Citi Travel
Welcome Bonus	$200 (20,000 ThankYou® Points) after spending $1,500 in 6 months
Annual Fee	$0
Introductory APR	0% for 18 months on balance transfers (then 15.24%–25.24%)
Extended Warranty	Doubles manufacturer’s warranty (up to 24 months, $10,000 limit)
Fraud Protection	Zero liability for unauthorized charges
Citi Entertainment®	Access to presale tickets and special offers for events
Contactless Payments	Compatible with digital wallets (Apple Pay, Google Pay)

Why Choose the Citi Double Cash®?

At the end of the day, the Citi Double Cash® Card is more than just a credit card—it’s a tool to make your money go further.

With 2% cashback on every purchase, no annual fee, a generous welcome bonus, and perks like extended warranty and fraud protection, it fits seamlessly into your daily life.

So, are you ready to turn your spending into cashback? Apply for the Citi Double Cash® today and start earning more with every purchase.