Discover the Steps to Apply for the Citi Double Cash Credit Card
The Citi Double Cash card is an excellent choice for handling everyday spending, providing a generous 2% cashback that you can redeem at your convenience.
Key Insights Before You Apply for the Citi Double Cash Credit Card
The Citi Double Cash card truly lives up to its name, providing double the rewards: earn 1% cashback on purchases and another 1% when you settle your bill!
Cashback is earned through a two-part system: 1% on purchases and another 1% when you pay your balance, as long as you meet the minimum payment on time.
Your rewards with Citi come in the form of Thank You Points, where every dollar spent earns you one point, plus an extra point for each dollar you pay back.
Citi also has seasonal promotions. Throughout 2024, you can earn 5% cashback on hotel and car rentals booked via the Citi Travel portal.
Importantly, Citi does not limit rewards by category, meaning virtually all eligible purchases can earn you rewards, which come in various forms:
- Credit statement
- Direct deposit
- Check
- Gift cards
- Travel
- Amazon points
When it comes to costs, this card has no annual fee, and Citi offers a low introductory APR of 0% on balance transfers for the first 18 months.
After that period, the rates will range from 19.24% to 29.24%, similar to the rates for purchases. Keep in mind that balance transfers do not qualify for rewards.
For new cardholders, there’s a $200 bonus offer after spending $1,500 in the first six months following account opening. If you feel that Citi fits your needs, keep reading.
Who is Eligible to Apply?
To qualify for a Citi Double Cash Card, applicants need to be at least 18 years old (21 in Puerto Rico) and should maintain a good financial standing, often requiring a FICO score around 670.
Moreover, applicants must be legal residents of the U.S. or its territories.
This residency requirement applies to those living within the U.S. or its territories. Foreign applicants must present appropriate documentation.
By meeting these requirements, applicants can ensure they fulfill the essential conditions for a seamless application process, thereby boosting their chances of being approved for the Citi® Double Cash Card.
It’s important to remember that Citi may ask for income verification documents, making it essential to have a reliable income source to showcase financial stability.
The bank emphasizes that while all criteria must be met, applications are still subject to availability from Citi.
How to Apply for the Citi Double Cash Card?
Citi provides credit card services to both current clients and potential customers, making the application process easier for existing account holders or those already using other banking services since their details are already stored.
For non-customers, applying means filling out the form available on Citi’s official site. This form asks for key information like full name, address, Social Security number, phone number, and financial details including income and expenses.
During the application process, Citi might ask for extra documents such as proof of residency, income verification, recent bank statements, and payment receipts.
Citi is dedicated to swiftly reviewing credit scores and customer information to ensure a timely decision, be it a positive or negative one. If an application is turned down, customers can expect feedback on areas needing improvement, particularly concerning their credit history.
Customers who have questions or face issues can reach out to the bank directly via phone, online support, or by visiting a local Citi branch.
Additional Information
The Citi card features the Mastercard logo, ensuring extensive acceptance globally along with rigorous security measures.
Additionally, the Citi Double provides 24-hour fraud monitoring, $0 liability for unauthorized transactions, and a theft protection plan from Mastercard.
For everyday ease, the card offers 24/7 customer support, smooth integration with digital wallets, and contactless chip payments.
Another unique advantage of Citi is Citi Entertainment, granting exclusive access to sports events, unique experiences, and performances.
Interested in exploring another option?
The U.S. Bank presents a fantastic opportunity with the Visa Platinum Credit Card, featuring a remarkable introductory APR of 0% for 21 billing cycles.
If you’re looking for a bank as reliable as U.S. Bank, you can discover how to apply.
