How To Apply For Citi® Double Cash Card
The Citi Double Cash Card is one of the finest options among all credit cards available on the market. This card is a great choice for the customers because of its superior flat-rate cash back. Even if it lacks something, it makes up with its exception rewards. This card offers cash back of 2% on purchases that you make every day. You also get 1% cash back, when you make the purchase and another 1% while paying it off. You can earn unlimited and the best part is that there is no annual fee. This card also works exceptionally well for those who like the 2 card strategy for maximizing the cash back. Let’s take a deep dive into the card benefits, and then we will show you how you can apply for it.
Citi Double Cash Card Basics And Benefits
Although there are many, here are some of the key benefits that you will get with this card:
- On every single dollar you spend, you get a cashback of 1%
- You earn a 1% additional cash back for paying off every dollar
- There is no annual fee
- Unlimited rewards
- Redeem rewards when it touches $25
- You can redeem rewards for a check, gift card, bank account deposit, or statement credit
- For the first 18 months, there will be 0% APR on balance transfers. After that, it will be 15.49% to 25.49%
High Rewards Rate
Currently, the average rewards rate in the industry is 1%. As the card name suggests, the Citi® Double Cash Card offers 2%, which is double than the average rewards rate in the market. You will get 1% cash back when making a purchase and 1% when you pay the bill. This is a really good incentive that you would definitely like.
Simplicity And Convenience
Most of the cash back credit cards offer you the bonus categories out of which some are permanent and some changes on monthly basis. They let you earn the extra rewards at specific locations, such as featured retailers, restaurants, home improvement stores, and gas stations, etc. Most of the times, it becomes a big hassle to find the participating locations. Some cards restrict you to spend a particular amount for the bonus rewards.
The Citi Double Cash Card doesn’t come with all such hassles. You can use your card anytime and anywhere because it works almost everywhere. The cash back is really simple, unlike the miles or points that need an intricate strategy for optimization. You require good credit to get this card, however many of its rivals that offers lower rate require excellent credit.
Credit Card Late Fee Pass And Citi Private Pass
You might be going through a lot and it is possible that you might end up going late on your payment. On the 1st late fee, they will offer you a late fee pass that will add up to your peace of mind. As a Citi customer, you will also have exclusive access to the purchase tickets for so many events every year that include VIP concert packages and presale tickets, dining experiences, sporting events, movie screening, and lot more.
There are also many other added benefits that you get as a Citi Double Cash Cardholder, such as 24/7 fraud protection, identity theft solutions, and the lowest wallet service, etc.
Citi® Double Cash Card Pitfalls & Other Possibilities
Although this card is a worth taking an option for the customers, there are still some possible pitfalls and drawbacks that you must go through. The offer comes without any sign-up bonus. However, the cash-back credit card bonuses normally are not high. They are typical $150 or even less. The outsized rewards are also not available. It is great to have the double cash-back offer, but you can’t get the 5% back, even if you are willing to put in some extra effort as some other quarterly category credit cards offer.
There is a 3% foreign transaction fee, which means that this isn’t a great option for using abroad. There are plenty of cash back cards available on the market that comes with no foreign transaction fee. There is definitely a lengthy period of no interest on the balance transfers, but after that, the 3% fee on balance transfers may hurt you. If you have less than $25 in the rewards, then you won’t be able to redeem that amount. Many cards allow you to redeem whatever amount you have, anytime.
If you do not warn the cash back from payments or purchases for the 12 months, then the rewards will expire. If you decide to close your card account, then you must redeem your rewards before that or make at least one purchase in a year to avoid the rewards expiration.
Instructions To Apply For Citi® Double Cash Card
Here are the simple steps that you should follow to submit your online credit card application on their website:
- You should open any internet browser, but make sure that it is up to date. After that, open the official Citi®Cash Back Credit Cards page.
- On this page, you can see all available cash back cards. On top of all, you will find the Double Cash Back Card with a blue “Learn More & Apply” button. Click this button to move to the new page that is designed to accept the Double Cash Back Card applications.
Now on the new page, you can read the card information in detail. Click “Apply Now” that you find on the right-hand side of the page, just under the credit card image. The application form will now appear on your computer screen. All you need is to fill up and submit this form with the required information to complete the process.
If you have questions, then you can talk to the Citi’s phone banking officer, anytime. Their consumer helpline number is 1-800-347-4934. For business customers, the helpline number is 1-866-422-3091.