Citi Double Cash Card Review With Pro And Cons – 17 Points

1. Citi double cash card offers best flat rate rewards with no sign up bonus and no 0 % intro apr for purchase and no annual fee.

2. Pros:

High rewards rate (2% cash back on purchase)
No annual fee
0% introductory APR on balance transfers for 18 months.
$0 liability for unauthorized charges
No category restrictions and no cap on the amount of cash back you receive.
Accepted Everywhere
Multiple redemption options

3. Cons:

No initial rewards bonus
3% foreign transaction fee
No 0% APR for purchases
$25 minimum redemption
High regular apr
3% balance transfer fee
Reward expiration: Citi says cash rewards balances “expire” if you don’t earn cash back from purchases or payments for 12 months.

4. Annual Fee:

$0

5. Reward Rate:

Earn 2% cash back on purchases: 1% on every purchase and another 1% as you pay for those purchases

6. Regular Apr:

15.74% – 25.74% Variable APR

7. Intro Apr on Balance Transfer:

0% on Balance Transfers for 18 months

8. Credit Needed:

Good – Excellent 690 – 850

9. APR for Cash Advance:

27.49%

10. Penalty APR:

up to 29.99%

11. Balance Transfer Fee:

3% ($5 min)

12. Foreign Purchase Transaction:

3%

13. Late Penalty:

None for the first late payment; up to $35 after that

14. Other Benefit:

Damage and theft protection
Extended warranty
Citi Price Rewind
Car rental insurance
Trip cancellation and interruption protection

15. Customer Experience:

24/7 Customer service:
Yes
Online Chat:
Yes
Google Play Store mobile app rating:
3.9/5
Apple Store mobile app rating:
4.8/5

16. Redemption options:

Statement credit, bank account deposit or a check.

17. Go for Citi Double Cash Credit Card:

If you are interested in 0% intro apr on balance transfer.
If you prefer cash back instead of travel rewards.
If you want flat rate card with great cash back and do not want to keep track of rotating categories.
If you want to pair flat rate card with another reward card.

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