Menu
A straightforward card for a straightforward application. This guide covers everything you need to know to successfully apply for the Citi Double Cash® and start earning 2% on every purchase.
Apply on Citi's Official Site → ⚠ Clicking this button will take you to an external siteA good to excellent credit score — generally 670 or above — is required. Citi will evaluate your income, employment status, debt-to-income ratio, and credit history. There is no equivalent to Chase's 5/24 rule, but recent credit inquiries and opened accounts are factored in. You must be a U.S. resident, at least 18 years old, with a valid Social Security Number.
Check your credit score using a free service. A score of 670+ gives good odds; 720+ is ideal for this card.
Request your free annual credit report and look for errors. Dispute any inaccuracies with the credit bureaus before applying.
Have your full name, address, SSN, annual income, and employment details ready to complete the application without interruption.
Navigate to the Citi website, find the Double Cash® Card, and complete the application form carefully and accurately.
Some applicants get instant approval; others may wait a few business days. Approved cards arrive within 7–10 business days.
Use the card regularly and pay your balance on time to earn the full 2% cash back (1% when you buy + 1% as you pay).
Head to the official Citi Double Cash® Card application page to get started. The process takes just a few minutes.
Apply on Citi's Official Site → ⚠ You will be redirected to an external site not operated by MasFormulasYou earn 1% when you make a purchase and an additional 1% when you pay for it. Both portions apply to all eligible purchases with no category restrictions.
No — there is no cap on how much cash back you can earn with the Citi Double Cash® Card.
Eligible new cardholders can earn a $200 cash back bonus after spending $1,500 on purchases within the first 6 months of account opening.
Yes — the Citi Double Cash® Card charges a 3% foreign transaction fee, making it less suited for international use.
Informational Content Only. This page is provided for informational and educational purposes only and does not constitute financial, legal, or investment advice. We are not a financial institution, bank, or credit card issuer, and we are not affiliated with Citi Double Cash® Card or any of its associated institutions.
External Links. Clicking the apply button above will redirect you to an external website operated by the card issuer. MasFormulas has no control over the content, availability, or terms presented on that external site. We are not responsible for any decisions made based on information found there.
Subject to Change. All information regarding card features, rewards, APR, fees, and eligibility is subject to change at any time by the respective issuer. Always verify the most current terms directly with the card issuer before applying.
MasFormulas is an independent editorial platform. We do not request or accept deposits or payments in exchange for financial products. Users are solely responsible for any financial decisions made.
MasFormulas places the highest importance on the accuracy and quality of the information it publishes, following careful editorial review by its team. However, all content provided on MasFormulas.com is for informational and educational purposes only and does not constitute financial, legal, or investment advice.
MasFormulas assumes no responsibility for any financial losses, damages (direct, indirect, or consequential), or costs that may arise from the use of the information presented. The website i an independent editorial platform, not affiliated with financial institutions, and does not request or accept any payments or deposits in exchange for financial products such as credit cards, loans, or insurance.
Users are encouraged to consult certified professionals before making financial decisions.