Discover the Process of Applying 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 Considerations Before Applying for the Citi Double Cash Credit Card
The Citi Double Cash card is aptly named, offering double cashback rewards: earn 1% when you shop and another 1% when you settle your bills!
Cashback is earned through a two-step process: you’ll get 1% back when you buy and another 1% when you pay off your balance on time.
Your rewards with Citi come as Thank You Points, allowing you to earn 1 point for every dollar spent, plus an extra point for every dollar paid.
Moreover, Citi has exciting seasonal promotions. Until the end of 2024, enjoy 5% cashback on hotel and car rentals booked via the Citi Travel portal.
Citi offers rewards without category restrictions, meaning almost all purchases can earn rewards, which can be redeemed in various formats:
- Credit statement
- Direct deposit
- Check
- Gift cards
- Travel benefits
- Amazon.com points
Regarding fees, there’s no annual fee for this card, and it offers a low 0% introductory APR on balance transfers for 18 months.
After the introductory period, APR rates fluctuate between 19.24% and 29.24%, akin to the rates for regular purchases. Remember, balance transfers do not earn rewards.
New cardholders can take advantage of a $200 bonus after spending $1,500 on purchases within the first six months. If Citi sounds like a good fit for you, read on!
Who is Eligible to Apply?
To qualify for a Citi Double Cash Card, applicants must be at least 18 years old (21 in Puerto Rico) and show a good financial standing, typically needing a FICO score around 670.
Furthermore, applicants must be legal residents of the U.S. or its territories.
This residency requirement applies to those living in the U.S. or its territories. Foreign applicants need to provide appropriate documentation.
By meeting these requirements, applicants can ensure they fulfill the essential criteria for a hassle-free application process, boosting their chances of getting approved for the Citi® Double Cash Card.
It’s important to remember that Citi might ask for proof of income, so having a reliable income source is key to showcasing your financial stability.
The bank emphasizes that even when all criteria are met, applications are still contingent on Citi’s availability.
How to Apply for the Citi Double Cash Credit Card?
Citi provides its credit card offerings to both existing and potential customers, making the application process easier for current account holders or users of other banking services, since their details are already stored.
For non-customers, the application requires filling out the form available on Citi’s website. This form asks for key information such as full name, address, Social Security number, phone number, and financial details like income and expenses.
Throughout the application, Citi might ask for further documentation, such as proof of residency, income verification, recent bank statements, and payment receipts.
Citi is dedicated to quickly assessing credit scores and customer information to provide a timely response, whether favorable or not. If an application is declined, customers may receive insights on what to improve, particularly regarding their credit history.
For any questions or concerns, customers can reach out to the bank directly via phone, online support, or by visiting a local Citi branch.
Additional Information
The Citi card proudly carries the Mastercard logo, ensuring broad acceptance globally and robust security measures.
Additionally, the Citi Double features 24/7 fraud protection to detect suspicious activity, $0 liability for unauthorized purchases, and a theft protection system from Mastercard.
For everyday use, the card offers 24/7 customer service and smooth compatibility with digital wallets, as well as contactless chip payments.
A unique perk of Citi is Citi Entertainment, granting special access to sports events, exclusive experiences, and shows.
Interested in exploring another option?
The U.S. Bank features the fantastic Visa Platinum Credit Card, which boasts a generous introductory APR of 0% for 21 billing cycles.
If you’re looking for a bank as reliable as U.S. Bank, discover how to apply.
