Discover the Steps to Apply for the Citi Double Cash Credit Card
The Citi Double Cash card is an excellent choice for handling everyday purchases, providing a rewarding 2% cashback that you can use however you like.
Key Information Before Applying for the Citi Double Cash Credit Card
The Citi Double Cash card, as its name indicates, provides double rewards: 1% cashback on purchases and another 1% when you pay your bill!
CREDIT CARD
Citi Double Cash
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Cashback is earned through a two-part system: 1% when you buy something and another 1% when you pay it off, as long as you make the minimum payment on time.
The rewards from Citi come in the form of Thank You Points, where you earn 1 point for every dollar spent and another point for every dollar paid.
Moreover, Citi has some promotional seasonal offers. Until 2024 concludes, you can earn 5% cashback on hotel and car rentals when booked through the Citi Travel portal.
Citi does not categorize purchases, meaning all valid purchases can earn rewards, and there are multiple ways to receive those rewards:
- Credit statement
- Direct deposits
- Checks
- Gift cards
- Travel
- Amazon points
Regarding costs, this card has no annual fee. It also features a low introductory APR of 0% on balance transfers for the first 18 months.
After that period, rates range from 19.24% to 29.24%, similar to the interest for purchases. Remember, balance transfers don’t earn rewards.
New cardholders can enjoy a $200 bonus after spending $1,500 on purchases in the first six months of opening their account. If you think Citi can help you out, read on.
Who is Eligible to Apply?
To qualify for a Citi Double Cash Card, applicants must be at least 18 years old (or 21 in Puerto Rico) and should have a good financial history, generally needing a FICO score around 670.
Additionally, applicants must be legal residents of the U.S. or its territories.
This residency requirement is for those living in the U.S. or its territories. Foreign applicants must have the required documentation.
By completing these requirements, applicants can ensure they meet the criteria for an efficient application process and boost their chances of getting approved for the Citi® Double Cash Card.
It’s important to remember that Citi might ask for proof of income, making it essential to have a reliable income source to show financial stability.
The bank highlights that while all requirements must be met, applications remain subject to Citi’s discretion.
What’s the Process to Apply for the Citi Double Cash Credit Card?
Citi provides credit card services to both current and future customers, making it easier for existing account holders or those using other banking services since their details are already stored.
For non-customers, the application entails filling out a form on Citi’s official site, which requires vital information like full name, address, Social Security number, phone number, and financial details such as income and expenses.
Throughout the application process, Citi may ask for extra documentation such as proof of residency, income verification, recent bank statements, and payment receipts.
Citi is dedicated to swiftly assessing credit scores and customer data to deliver a prompt response, whether it’s an approval or denial. If an application is turned down, customers might receive advice on how to improve, especially regarding their credit history.
If customers have questions or concerns, they can reach out to the bank via phone, online support, or by visiting an authorized Citi branch.
CREDIT CARD
Citi Double Cash
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Additional Information
The Citi card features the Mastercard logo, ensuring broad acceptance around the globe along with robust security measures.
Moreover, the Citi Double provides 24/7 fraud protection to monitor suspicious activities, offers $0 liability for unauthorized transactions, and includes a theft protection program from Mastercard.
For your convenience, the card offers round-the-clock customer service and easy integration with digital wallets, along with contactless chip payments.
Another unique benefit of Citi is Citi Entertainment, providing exclusive access to sports events, unique experiences, and shows.
Interested in exploring another option?
The U.S. Bank presents the fantastic Visa Platinum Credit Card, featuring a lengthy introductory APR of 0% for 21 billing cycles.
If you’re looking for a bank as reliable as U.S. Bank, find out how to apply.
