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 2% cashback that you can use however you like.
Key Insights Before You Apply for the Citi Double Cash Credit Card
The Citi Double Cash card is aptly named as it provides double rewards: 1% cashback on every purchase and another 1% when you settle your balance!
Cashback is earned through a straightforward two-step process: earn 1% when you spend and another 1% when you clear your balance, as long as you make the minimum payment on time.
Citi rewards are given as Thank You Points, where each dollar spent earns you 1 point, plus an extra point for each dollar you pay off.
Furthermore, Citi has seasonal promotions! Through the end of 2024, you’ll get 5% cashback on hotel and car rental bookings made via the Citi Travel portal.
Citi doesn’t categorize purchases, so nearly everything can earn rewards, and you can redeem them in several ways:
- Credit statement
- Direct deposits
- Checks
- Gift cards
- Travel expenses
- Amazon points
Regarding expenses, this card has no annual fee. Additionally, Citi offers a low 0% introductory APR on balance transfers for the first 18 months.
After that, rates will range from 19.24% to 29.24%, similar to the purchase APR. Do note that balance transfers are not eligible for rewards.
For newcomers, there’s a $200 bonus offer after spending $1,500 within the first six months of opening your account. If you think Citi could be a fit for you, keep reading.
Who is Eligible to Apply?
To qualify for the Citi Double Cash Card, applicants must be at least 18 years old (21 in Puerto Rico) and have a good financial standing, generally requiring a FICO score around 670.
Moreover, applicants must be legal residents of the United States or its territories.
This residency requirement applies to those living in the U.S. or its territories. Foreign applicants need to provide proper documentation.
By fulfilling these requirements, applicants can guarantee they meet the essential criteria for a hassle-free application process, boosting their chances of being approved for the Citi® Double Cash Card.
It’s important to keep in mind that Citi might ask for income verification documents, making it vital to have a reliable income source to show financial stability.
The bank emphasizes that although all criteria must be met, applications remain subject to Citi’s availability.
How to Apply for the Citi Double Cash Credit Card?
Citi provides credit card services to both current and potential customers, making it easier for existing account holders or anyone who uses other banking services since their details are already on file.
For non-customers, the application process involves filling out a form on Citi’s official website, which requires crucial information like your full name, address, Social Security number, phone number, and financial details including income and expenses.
During the application phase, Citi may ask for additional documents such as proof of residency, income verification, recent bank statements, and payment receipts.
Citi is dedicated to swiftly reviewing credit scores and customer data to deliver a quick response, whether it’s a yes or a no. If an application gets denied, customers may get insights on areas they can improve, especially regarding their credit history.
Customers with questions or problems can reach out to the bank through phone, online support, or by visiting a nearby Citi bank branch.
Additional Information
The Citi card includes the Mastercard logo, ensuring wide acceptance globally and robust security measures.
To enhance security, the Citi Double provides 24-hour fraud protection to detect unusual activities, $0 liability for unauthorized transactions, and a theft protection program backed by Mastercard.
For added convenience, the card offers 24/7 customer support, smooth integration with digital wallets, and contactless chip payment options.
Another unique advantage of Citi is Citi Entertainment, granting special access to sports events, exclusive experiences, and concerts.
Interested in exploring another option?
The U.S. Bank presents a fantastic option with the Visa Platinum Credit Card, featuring a 0% introductory APR for 21 billing cycles.
If you’re looking for another bank that matches the security of U.S. Bank, you can learn precisely how to apply.
