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 an appealing 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 is aptly named, as it delivers double rewards: earn 1% cashback on purchases and another 1% when you pay!
To earn cashback, you need to follow a two-step procedure: receive 1% when making a purchase and an extra 1% when paying off the balance, as long as you meet the minimum payment on time.
Citi rewards are given in the form of Thank You Points, where you earn 1 point for every $1 spent and an additional point for every $1 paid.
Moreover, Citi has special seasonal promotions. Until the end of 2024, you’ll earn 5% cashback on hotel and car rentals booked via the Citi Travel portal.
Citi doesn’t limit rewards by categories, which means all eligible purchases can earn rewards, and there are various ways to redeem them:
- Credit statement
- Direct deposits
- Checks
- Gift cards
- Travel rewards
- Amazon.com points
Regarding costs, this card does not come with an annual fee. It also features a low introductory APR of 0% on balance transfers for the first 18 months.
After the introductory period, rates will range from 19.24% to 29.24%, which is similar to the APR for regular purchases. Keep in mind that balance transfers do not earn rewards.
New cardholders can enjoy a $200 bonus offer after spending $1,500 on purchases within the first six months of account opening. If you think Citi is right 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 (or 21 in Puerto Rico) and have a good financial standing, typically with a FICO score around 670.
Additionally, applicants must be legal residents of the United States or its territories.
This residency requirement applies to individuals residing in the U.S. or its territories. Foreign applicants must provide appropriate documentation.
By meeting these requirements, applicants can ensure they fulfill the essential conditions for a hassle-free application process, boosting their chances of being approved for the Citi® Double Cash Card.
It’s important to remember that Citi might ask for proof of income, so it’s vital to have a reliable income source to showcase financial stability.
The bank emphasizes that even if all requirements are met, applications are still contingent upon Citi’s availability.
How Can I Apply for the Citi Double Cash Credit Card?
Citi provides credit card services to both current and potential clients, making the application process easier for existing account holders or those using other banking services, as their details are already stored.
For non-customers, applying entails filling out the application form on Citi’s official website. The form asks for key information such as full name, address, SSN, phone number, and financial details like income and expenses.
Throughout the application process, Citi may ask for additional paperwork such as proof of residency, income verification, recent bank statements, and payment receipts.
Citi is dedicated to quickly reviewing credit scores and customer information to give a prompt response, whether it’s a yes or a no. If an application is denied, applicants may get insights on how to improve, especially regarding their credit history.
Customers facing inquiries or problems can reach out to the bank directly through phone, online support, or by visiting a local Citi bank branch.
Additional Information
The Citi card boasts the Mastercard symbol, ensuring wide acceptance globally and robust security measures.
Additionally, the Citi Double offers 24-hour fraud monitoring, zero liability for unauthorized transactions, and theft protection through Mastercard.
For added convenience, the card provides 24/7 customer support, smooth integration with digital wallets, plus contactless chip payments.
A unique perk of Citi is Citi Entertainment, which grants special access to sports events, unique experiences, and shows.
Interested in another option?
The U.S. Bank provides an outstanding Visa Platinum Credit Card, featuring a generous introductory APR of 0% for 21 billing cycles.
If you’re looking for a bank as trustworthy as U.S. Bank, find out how to apply.
