Citi® Double Cash Card

I received several letters from Capital One and Citi Double Cash (CDC) by mail. After reading many reviews I thought perhaps CDC was best but I was wrong :/ at first everything was fine. They offered and I was approved $3000+ a 0%APR for the first 18 months and 19% APR after...pretty great right? Not to mention the cash back! I used this card to cover expenses while I paid off high interest rate cards/loans. Why? "Because of no interest rate " 1st statement reflected such, however, 2nd statement interest rate totally there >:[ with a little extra!!! I called and customer service seemed to care and said they would look into the account so I thought ok, maybe a Mistake but they never called back and interest is now going to pile but it's ok Citibank my goal now is to pay off the debt ASAP and never use this card Again! Btw I then applied for Capital one Platinum and so far they've held their part of their deal and I also got my Discover it card and I will make a review in a couple of months too. So far ...way better than CDC!. There you go guys/gals an honest review :) I have a 678 FICO score as of today and my goal is to continue to build my credit to purchase a home at a lower interest rate in the next 3-5 yrs. I hope this helps.

I’ve had this card for a little over 2 years, and I have not had any issues. I did accidentally forget to make a payment and I called to see if I had to pay a late fee, but they removed the fee because it was my first time I was late on a payment for the year. I just had to pay the apr but the customer service was very nice and understanding. 

This is my go-to card for everyday purchases. Price protection is the cherry on top!

This card has worked well for me and it’s great getting 2% back as the base.  I have other cards with more % off on groceries, gas , etc., but this is the one I use otherwise.  Only downside is the credit limit I was given is lower than that offerred by other cards.  When I had an income increase snd updated that in the app, it did increase the limit, but it’s still lower than other cards.

Great customer service..reliable...easy payment locations...

They have the worst customer service. To unblock my card they needed another phone number registered to me or another citi card for verification neither of which i have. They have sent a verification by mail which will take a few days. How stupid is that. I will stop using their card all together.

Watch your cash back amounts. Citi Bank will keep them if card is not used. So here is the thing. Card was used for 0% balance transfer. They get their 3% upfront BUT if you use the card for any additional purchases they will charge a minimum interest fee of at least 50 cents. So don't use the card to save interest right? Well most 0% offers are 1 year plus. So if you use the card interest will be added if you don't cashback will be taken. WOW! No warning and no heads up. Had the card now for 3 years, 5 months with $6,600 limit and this is their way of saying thank you, I guess. Previously, Citi Bank issued checks if credit card wasn't used with remaining cash back dollars. Very greedy company and there customer service is a bit lacking. I will keep the card and just not use it at all until cancelled by them. Hope that little bit of change they kept was worth it. So many better cards out there with companies that really appreciate your business. I won’t say names but their initials are AMEX.

I was approved for the card. I applied online. The terms read as follows...Balance Transfer APR: 0% introductory APR for 9 months from date of first transfer when transfers are completed within 4 months from date of account opening. BUT then it said...Balance Transfer Fee: $453

Despite CK saying I have a poor chance of approval, I received a pre-approval in the mail and accepted. It was an easy approval process and came with a decently high credit limit. I love the generous 2% cash back, so I use and pay this card to earn cash back without accruing interest. It's my daily use card. The only drawback is waiting for the period to close to accrue the cashback, but a small issue considering the benefits.

I use this for any purchases that don't fall into categories that I use my other cards for. 2% is the best reward rate you'll find for general purchases.

Their customer service is top-notch and the features and rewards they offer are seriously remarkable. I don't often leave reviews but they turned around another charge dispute so quickly and painlessly I felt obligated to show them some love back. I was charged for a service I never received and the company didn't know how to cancel the transation on their end so Citi Bank swooped in quickly. I don't care who they sell my data to when their user experience is this incredible.

As I remember it I was in the 660s when I applied and was approved for this card with a $2300 credit line. I've had it for some time now and the rewards accrue quickly, especially if you pay off the balance in full each month since rewards accrue on payment and on spending.

The cash rewards are attractive, but the customer service attached to this card is abysmal. From tardy approval and mailing of the card to awful web access and ending rude client service reps--we are cancelling this card after 2 statement cycles and going back to our trusty Chase Visa.

Made a purchase in another country. I expected a fraud alert. I approved the purchase through both email and text message and still got locked out of my account. Called customer service number as instructed, explained I had approved the purchases. They still wanted a phone number, and to verify my identity. I gave them 3 other credit cards and they said they still couldn't verify who I am...WTF? They said I have to wait for a letter by mail. Which after I get I will verify and cancel this card. Customer service was the worst, from phone reps to supervisors...rude and barely understandable at whatever call center in India they use.

Customer service is in the tank. Citibank cares more about the dollars than the customer. I pay my credit cards off every month and my balance runs over $1500/month. This past month life got busy with my son’s wedding and my payment was 2 days late. Citibank would not wave my late fees nor interest. I’m no longer a customer. Their lost, American Express gain.

This card is a great everyday card. Website and online management seems fine to me. Prompt reward points accumulation for purchases but the 1% for payments only accrues per statement period; not immediately upon payment. But one small trick or proviso. Do NOT use the statement credit for the payback as you get NO credit for the payment, so you do NOT get the full 1% back for payment A statement credit is NOT considered a payment. And you lose that 1%. Doesn't make sense because you can just choose cash back and use that for a payment on the account and earn 1%. So choose cash back by check or deposit to your linked bank account.

741 credit score, $56,000/yr, $15,000 in total debt, 9 total lines of credit and was approved instantly. Though I was only approved for $2,400 in credit. Definitely wish it had a better intro APR incentive. 

Have a 710 transunion and 720 equifax 780 experian. Was immediately approved for $3,800 but had to verify my identity 3 times. Great though, put a whole business trip on it though, woo hoo!

After two months with over 800 credit rating, my card still cannot be activated because of a paper form they insist on mailing me to verify my social security number. I completed, signed, and returned the form but failed to include the second page which had no signatures or information for me to add to it. They have sent me a second one to complete which I sent two weeks ago and still no word from Citi. I called last week and they still had not received the form back from me. If there is a form that is part of the process, it should be part of the application process and be placed online and not a paper process. No one can explain to me why this was necessary in my case but I can't believe that you do this to every applicant. Every time I call for help (3 times now) the person answering the phones at citi can barely speak English and are hard to understand. No empathy for me what so ever. I asked for a supervisor on my last call but they were no help at all. At least I could understand them when they told me they couldn't help me at all.

I just got my card in the mail about a week ago and I attempted to add it to my Apple Pay I called to try and verify my phone number they said they weren’t going to be able to use my phone under my name same as on my account I tried my second cell phone number (I have two cell phones both under my name ) and it didn’t work ! Now they put my account on hold until I receive a letter in the mail 7-10 days from now that will have a code on it so that I can call then ! Such an inconvenience !! my credit one card used my email as a verification with no problem and my Amex as well so I’m not sure why this would happen with Citi very upset I will use my other card for my future purchases.

They do not gonor their price rewind and make you jump through hoops to get it done. I will not be using the card for any serious purchases.

There is no getting around it: At 2% cash back on every purchase, and with no annual fee, the Citi Double Cash Card is simply the best-available cash back card available for everyday purchases. Capital One Quicksilver? 1.5% cash back. Capital One Venture? 2% cash back with a 95% annual fee. Simply put, you must have this card in your wallet or you are missing out on free money. Along with my American Express BlueCash Preferred (6% on groceries, 3% on gas, $95 annual fee) and my Uber Visa Card (4% on restaurants, 3% on travel, $0 annual fee), the Citi Double Cash Card is a core card to own. Don't be fooled by the negative ratings. This card is no nonsense, 2% cash back that is easy to redeem.

Question? Do they pull to do an increase?

I was approved with a 5 digit limit few month back I love it

exlent customer service

As you may know, You receive one percent when you purchase and 1% when you make a payment. You’ll receive 2% when you pay in full each month, which you should be doing that anyways. This is a fantastic card for every day spending for general use, for non-category buying. The minimal redemption amount is $25, the points do not expire as long as the account is open. Customer service is OK, it’s mainly outsourced unfortunately but they can still be quite helpful.

  The app is built really nicely, the website is very helpful especially when you are paying your bill it shows you how much you still owe left on your current statement and how much you all from there to your current balance. Also this is a MasterCard, so it is excepted nearly everywhere as visa.  We wards and up pretty fast, I use this for my bill pay, and general every day spend that does not fall into a category. 

My FICO score has not updated since 7-24-18. So I was in a chat session with CS to see why. CS response is if your credit score hasn't change, your fico score wont change. I advised the CS guy, I paid off 2 cards back in July so it will change. His response back was the same as the first. I told him it again, it will change due to paying off 2 cards and I disconnected the chat. Dumbasses

I've been working on my credit after a divorce and being laid off from my job. I'm now just over the mid-600's and was able to be approved despite Credit Karma showing poor approval odds. Citi had been sending me offers for months and I decided to accept. My starting credit limit was $1000. I use it for groceries and bills, then pay it off immediately and watch that 2% cash back start to rack up. I love this card. As long as you are responsible and have self control, it's a great card to have.

I had the Freedom card before this and it was OK but this card has been the best and easiest to manage and acquire money back.

Not worth holding a balance when they charge 23%

cut it up-Yup! Yes I did!

 Citi was good for me-in the 90’s bad at APR then too. 

I evolved -Citi hasn’t they are greedy as ever!

Yeah, the card has "double cash back" but the customer service is absolutely awful. I tried to close the card because I was so frustrated with them, but they said they would keep the rewards because I only had $15 in it and I needed at least $25 to take it out. So not only had they screwed me over, but they were asking that I keep giving them my business to take money that was rightfully mine. Stay away from Citi!