The Citi Double Cash® Card rewards you with ThankYou® Points on every purchase. You earn 1% cash back when you buy and another 1% as you pay, making it simple to earn on daily spending.
This article covers how to earn, redeem, and manage rewards, plus key rates, fees, and disclaimers.
Understanding Citi Double Cash® Points
The card allows you to earn rewards in the form of ThankYou® Points. This section explains how you can accumulate these points through your purchases and payments.
How Points Are Earned?
With the Citi Double Cash Card, you earn 1% cash back on every purchase and an additional 1% as you pay for those purchases.
These rewards are issued as ThankYou® Points, with 1 point equaling 1% cash back. To earn the full 2% cash back, you must pay at least the minimum due on time.
There are no caps or category restrictions, making it easy to earn rewards on all your spending. Additionally, you can earn 5% total cash back on hotel, car rentals, and attractions booked through the Citi Travel portal.
Additional Ways to Earn Points
Beyond everyday purchases, the Citi Double Cash® Card offers you opportunities to earn even more points.
Here’s how you can boost your rewards using Citi Travel:
- Earn 5% total cash back on eligible travel bookings through the Citi Travel portal.
- Hotels, car rentals, and attractions qualify for the extra rewards, helping you earn faster.
- No caps or category restrictions apply, so you can enjoy higher cash back on these bookings.
- Rewards are issued as ThankYou® Points, which you can redeem for a variety of rewards.
- Offer valid until December 31, 2025, giving you plenty of time to plan your trips.
- Check the Citi Travel portal regularly for updates on eligible offers and promotions.
Redeeming Your Citi Double Cash® Points
Once you’ve accumulated ThankYou® Points, you have several options for redemption. This section outlines the various ways you can use your points to get the most value.
Cash Back Options
You can redeem your ThankYou® Points for cash back in several forms. Options include statement credits, direct deposits into your bank account, or checks.
There is no minimum redemption amount, allowing flexibility in how you use your rewards. Cash back redemptions provide a straightforward way to benefit from your spending.
This makes the Citi Double Cash® Card a practical choice for those seeking simple rewards. Keep in mind that points do not expire as long as your account remains open.
Other Redemption Options
Beyond cash back, ThankYou® Points can be used for various other rewards. These include gift cards, travel bookings, and shopping with select retailers.
You can also use points for purchases on Amazon.com. Additionally, points can be transferred to participating airline and hotel loyalty programs.
This flexibility allows you to tailor your redemptions to your preferences. Always review the redemption options to choose the best value for your points.
Interest Rates and Fees
Understanding the interest rates and fees associated with the Citi Double Cash® Card is crucial. This section provides detailed information to help you manage your account effectively.
Annual Percentage Rates (APR)
The card offers a 0% introductory APR on balance transfers for 18 months. After the introductory period, the variable APR ranges from 18.24% to 28.24%, depending on your creditworthiness.
It’s important to note that the introductory APR does not apply to purchases. Therefore, carrying a balance on new purchases may incur interest charges.
Always aim to pay off your balance in full each month to avoid interest. Regularly reviewing your account can help you stay on top of any changes to your APR.
Fees and Charges
The Citi Double Cash® Card has no annual fee, making it cost-effective for cardholders. Balance transfers incur a fee of 3% of each transfer ($5 minimum) completed within the first 4 months of account opening.
After that, the fee increases to 5% of each transfer ($5 minimum). Late payments may result in a fee of up to $41.
Returned payments also carry a fee of up to $41. Being aware of these fees can help you manage your account responsibly.
Important Disclaimers
Before using the Citi Double Cash® Card, it’s essential to understand certain terms and conditions. This section highlights key disclaimers to keep in mind.
Earning and Redemption Conditions
To earn cash back, you must pay at least the minimum due on time. Failure to do so may result in forfeiture of rewards.
Cash back is earned in the form of ThankYou® Points, which can be redeemed for various rewards. Points do not expire as long as your account remains open.
However, if your account is closed, you may lose any unredeemed points. Always ensure your account is in good standing to maintain your rewards.
Limitations and Exclusions
Balance transfers, cash advances, and account fees do not earn cash back. Additionally, promotional offers may have specific terms and conditions. For example, the $200 cash back bonus requires spending $1,500 on purchases within the first 6 months of account opening.
This bonus is fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. Always read the terms of any promotional offers carefully. Understanding these limitations helps you maximize your rewards.
If you have questions or need assistance with your card, several support options are available. This section provides contact information to help you reach Citi’s customer service.
Customer Service Contact
For general support, call 1-800-950-5114. Assistance is available 24/7. For calls outside the U.S., dial collect at 1-605-335-2222.
TTY services are available at 711 or via relay services. Online account access allows you to manage your account. Reach out whenever you need help.
Maximize Your Rewards with Citi Double Cash®
The Citi Double Cash® Card makes it simple to earn points on all your spending. Understand the interest rates, fees, and disclaimers to manage your card wisely. This approach helps you get the most value from every purchase.
