Learn How to Apply for a Citi Double Cash Card
What should I know before applying for a Citi Double Cash Card?
The Citi Double Cash Card presents a simple rewards program that offers 2% cash back on all transactions. The card does not have any bonus categories, which means all purchases are eligible for identical rewards with no rewards cap.
The two-step process to cashing back rewards involves 1% earned at the time of purchase, and an additional 1% upon payment, contingent on timely minimum payment by customers. Rewards are given in the form of thank-you points.
Balance transfers, cash advances, account fees, interest, and merchandise returns do not qualify for rewards.
The redemption of ThankYou points has numerous options, including cash back, transfers to travel partners, and more.
The card’s primary appeal is its high 2% rewards rate, double the industry average, and its secure features, which include identity theft prevention and alerts.
The flexibility to choose how to redeem points, whether as credit to your statement, gift cards, or partner transfers, is an added perk.
In conclusion, the Citi Double Cash Card provides an effective reward system for those who consistently pay their bills on time.
Who is Eligible to Apply?
To qualify for a Citi Double Cash Card, individuals must meet the legal age requirement (18 years of age or 21 in Puerto Rico), have good credit history, often requiring a FICO score around 670.
Applicants also must be residents of the United States or its territories.
Those living within the U.S. or its territories are eligible for the Citi® Double Cash Card.
Applicants should meet these prerequisites to ensure a smooth application process and increase their chances of approval.
It’s important to note that Citi may require income verification, so you should be able to present a reliable source that indicates your income and expenses.
Citi also states that all applications are subject to availability, even if all requirements are met.
How do I Apply for a Citi Double Cash Card?
Citi extends this credit card offer to existing customers and those without any other banking services with Citi. Existing customers may find the process simpler as Citi already has their information in the system.
For non-customers, a form can be completed on the bank’s official website, requiring information such as full name, address, social security number, phone number, and a reflection of income and expenses.
Documentation to verify residence, income, updated bank statements, and prior payment receipts may be required during the application process.
Citi promises a timely response after reviewing credit scores and customer data for approval or rejection.
In the case of rejection, feedback could be offered with suggestions on how to improve the credit history.
Customers with questions or queries can directly reach out to the bank via phone, online support, or by visiting an authorized Citi bank branch.
Additional Information
A $200 cash back bonus is available when customers spend a minimum of $1,500 within the first six months.
Citi also occasionally offers seasonal promotions such as a 5% cash back bonus on specific travel expenses. Regularly checking the bank’s updates can help keep track of these ongoing promotions.
The card allows payments through contactless payments or digital wallets, besides the usual PIN method.
Other benefits include 24/7 customer support, fraud and loss protection, and identity verification. Citi Entertainment also provides access to a variety of events and promotional offers.
Looking for another option?
Despite its many advantages and suitability for various users, the Citi card may not meet everyone’s needs – and that’s okay. The U.S. Bank Visa Platinum card is another excellent option available in the U.S market, leveraging the value of the brand with a leading national banking institution.
