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Citi Double Cash Card Review

The Citi Double Cash Card is a cash back credit card that rewards users for making purchases and paying off their balances. Here are some of the key features and benefits of the card:

Pros of the CitiCiti Double Cash Card

  • Double cash back: Cardholders can earn cash back twice on every purchase they make - 1% when they make a purchase, and an additional 1% when they pay off their balance.
  • No annual fee: The Citi Double Cash Card does not charge an annual fee, making it a cost-effective option for those who want to earn cash back without paying extra.
  • Introductory APR: The card offers an introductory 0% APR on balance transfers for the first 18 months, making it a good option for those who want to consolidate and pay off high-interest credit card debt.
  • No limit on cash back earnings: Cardholders can earn unlimited cash back on their purchases, with no cap or limit on how much they can earn.
  • Flexible redemption options: Cash back rewards can be redeemed for statement credits, checks, or gift cards, giving users the flexibility to choose how they want to use their rewards.

Cons regarding the Citi Double Cash Card

  • Foreign transaction fees: The Citi Double Cash Card charges a 3% foreign transaction fee on purchases made outside the US, making it less ideal for international travelers.
  • No sign-up bonus: Unlike some other cash back credit cards, the Citi Double Cash Card does not offer a sign-up bonus for new users.
  • Requires good credit: To qualify for the Citi Double Cash Card, users typically need to have good to excellent credit scores, which may make it difficult for some consumers to be approved.

Alternatives

Here are some other cash back credit cards that users may want to consider as alternatives to the Citi Double Cash Card:

Chase Freedom Unlimited

The Chase Freedom Unlimited card offers 1.5% cash back on all purchases, with no annual fee. The card also offers a sign-up bonus of $200 cash back after spending $500 on purchases in the first three months.

Blue Cash Preferred Card from American Express

The Blue Cash Preferred Card from American Express offers 6% cash back on up to $6,000 in annual spending at US supermarkets, as well as 6% cash back on select US streaming services. The card also offers 3% cash back on US gas station purchases and transit, and 1% cash back on other purchases. However, the card charges an annual fee of $95.

Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card offers 1.5% cash back on all purchases, with no annual fee. The card also offers a sign-up bonus of $200 cash back after spending $500 on purchases in the first three months.

Overall, the Citi Double Cash Card is a solid cash back credit card option for those who want to earn rewards on their purchases without paying an annual fee. However, users who frequently travel internationally may want to consider a card with no foreign transaction fees, and those who want a sign-up bonus may prefer one of the alternative credit cards mentioned above.

 

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That's where the double cash comes into play! You get rewarded for buying AND rewarded for paying! Gotta love that! No worries either about an annual fee because there is none!

No thanks, please take me to citi.com/applynowdoublecash

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

“Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.”