- Card type: Mastercard
- Annual fee: $0
- Rewards: 2% cash back on all purchases
- Welcome bonus: $200 after you spend $1,500 on purchases in the first 3 months from account opening.
- APR: 0% intro APR on balance transfers for 18 months, then 15.49%-25.49% variable.
- Other features: No foreign transaction fees, no late payment fee, no annual fee.
The Citi Double Cash card is a good option for people who want a simple, straightforward cash back card with no annual fee. It offers a flat rate of 2% cash back on all purchases, which is a good value. The card also has a 0% intro APR on balance transfers for 18 months, which can be helpful if you need to transfer debt from another card.
Pros and cons of the Citi Double Cash card:
Pros:
- No annual fee
- 2% cash back on all purchases
- 0% intro APR on balance transfers for 18 months
- No foreign transaction fees
- No late payment fee
Cons:
- No sign-up bonus
- Cash back is earned in the form of ThankYou points, which can be redeemed for a variety of things, but not for cash.
- The rewards rate is not the highest on the market.
Overall, the Citi Double Cash card is a good option for people who want a simple, no-frills cash back card with no annual fee. It offers a flat rate of 2% cash back on all purchases, which is a good value. The card also has a 0% intro APR on balance transfers for 18 months, which can be helpful if you need to transfer debt from another card.
Is Citi Double Cash Card hard to get?
The Citi Double Cash card is not considered to be a difficult card to get. However, like any credit card, your chances of approval will depend on your credit score and other factors, such as your income and debt-to-credit ratio.
According to Credit Karma, the average credit score for people who are approved for the Citi Double Cash card is 720. However, people with credit scores as low as 640 have been approved for the card.
Other factors that can affect your chances of approval include:
- Your income
- Your debt-to-credit ratio
- Your credit history
- Any recent inquiries on your credit report
- Any delinquencies or bankruptcies on your credit report
If you are interested in applying for the Citi Double Cash card, you can do so online or by calling Citibank. When you apply, you will need to provide your personal information, including your income, debt, and credit history.
If you are approved for the Citi Double Cash card, you will be able to start earning 2% cash back on all of your purchases. This is a great way to save money on your everyday spending.
Here are some tips to increase your chances of approval for the Citi Double Cash card:
- Make sure you have a good credit score.
- Keep your debt-to-credit ratio low.
- Pay your bills on time.
- Avoid applying for too many new cards at once.
If you follow these tips, you will increase your chances of being approved for the Citi Double Cash card and start earning 2% cash back on all of your purchases.
Does Citi Double Cash have international fees?
Yes, the Citi Double Cash card has a 3% foreign transaction fee. This means that if you make a purchase in a foreign currency, Citi will charge you an additional 3% of the purchase amount.
For example, if you buy a souvenir for €100, Citi will charge you an additional €3 for the foreign transaction fee. This means that you will end up paying €103 for the souvenir.
There are a few ways to avoid foreign transaction fees. One way is to use a credit card that does not charge foreign transaction fees. There are a number of credit cards that offer this benefit, such as the Charles Schwab Platinum Card and the Fidelity Visa Signature Card.
Another way to avoid foreign transaction fees is to use a debit card that does not charge foreign transaction fees. However, you should be aware that debit cards typically have lower credit limits than credit cards, so you may not be able to use them for all of your purchases.
If you do not have a credit card or debit card that does not charge foreign transaction fees, you can try to avoid foreign transaction fees by paying for your purchases in U.S. dollars. However, this may not always be possible, especially if you are traveling to a country where U.S. dollars are not widely accepted.
Ultimately, the decision of whether or not to use the Citi Double Cash card for international purchases is up to you. If you are concerned about foreign transaction fees, you may want to consider using a different credit card or debit card that does not charge these fees.