Citi Double Cash Card Reviews - What Is It?
DO NOT USE Citi Double Cash Card!!! You Must Read This Review!
Fully Researched: Price, User Feedback and More!
It is a smart decision to get a cash-back credit card with a number of ongoing rewards rate and 18-month BT offer. It you agree, you should consider receiving the Citi Double Cash Card. This card will give you an opportunity to earn 1% cash back when buying something, then additional 1% cash back when paying the money off. The rewards are unlimited and it is a pleasant advantage. Unfortunately, the card doesn't come with a cash signup bonus, but it offers an introductory 0% APR deal. It means that you won't have to pay anything on Balance Transfers for 18 months, but after that you will need to pay the ongoing APR of 14.49% - 24.49% Variable APR. It should be remembered that all of these wonderful benefits come at an annual fee of $0, which makes this card am awesome choice.
The Citi Double Cash Card comes with a perfect rewards plan and a 0% intro APR, so it can be a suitable option for people with good credit. You will like the fact of earning 1% cash back on anything you buy, and an additional 1% when paying back those expenses. There are no rotating categories or cash back limits. The card charges a 3% or $5 (the one which is higher) fee for any balance transfer. Foreign transaction fee is 3%. If you want to learn more information about the card and benefits it offers, go to the official website of the card and you will know all the important details. Let's take a look at what real users of the card think about it.
Customer Reviews - Does Citi Double Cash Card Really Work?
There are many customer reviews on the card online. Fortunately, most of them are positive in character. The users like the fact that the Citi Double Cash Card allows them to earn cash back twice on every purchase. There is unlimited 1% cash back when buying something, plus an additional 1% when paying for those purchases. Another thing that is highly valued among the cardholders is 0% Intro APR on Balance Transfers that functions for the first 18 months. Then you will need to pay the variable APR from 14.49% to 24.49% depending on your creditworthiness. The applicable balance transfer fee can be checked by clicking "Apply Now". You will also see how making a balance transfer influences interest on purchases. What else people like is that there are no caps on cash back, no categories to track, and no annual fee. Let's take a look at real users' opinions.
One man writes that he has just applied for this card. He has a checking and saving account with Citi and he thinks that it will be quite convenient for him to make payments in a short period of time. He was denied for the Simplicity card before that. He likes a Citi card in general, but he is not very happy with the purchase APR (about 22%). But he likes the idea of 18months 0% APR. In fact this is the main reason why he chose to open that line. In addition, he says he will be able to manage the card and pay quickly in full to avoid the interest. One woman says that the Citi Double Cash Card is a great card if you use it correctly. She never carries a balance or travels but she loves getting money back. This is the major function of this card. But, if you plan to carry a balance from one month to the next, you will have to pay the interest. The woman contacted customer service several times and was satisfied with the staff every time.
Another user tells us that he applied for the Citi double cash card online. His current utilization is 14%, but he has lots of inquires! The man had recently purchased a house and he has been building up his credit card portfolio the year. He was glad to be approved for $1,500. He hasn't received the card yet, but he will do it really soon. The online application process was easy; he just used the numbers given on his mailer. Then he filled out the info. The man hopes to get an increase after using the card for smaller purchases. Here are some of the actual customers' testimonials left on different websites.
"Citi Double Cash Card is probably one of the only cards that give me 2% on everything, so I don't need to use any other cards for the specialty categories like dining, purchases or travel. With my new card I can pay off all purchased items while receiving the reward. 2% cash back is the best rate available in the modern market right now that is why this is a fantastic card for me. I pair this card with an Amex Blue cash preferred card and earn some free money just before Christmas. By the way, I like the color scheme of the card. I would certainly recommend this card to anyone!"
"We moved over to the CitiDouble Cash Card due to the number of advantages. It is absolutely awesome. I use this card for international charges, lounge access, as well as for daily purposes. I spend over $10000 a month and I love cashing in on the rewards I get. The customer service has been completely wonderful whenever I needed their help. My overall experience of using the card has been absolutely perfect and I am not going to change it into any other card. I will stay with Citi forever."
"I have been using my Citi Double CashCard for almost two years now and I haven't had any problems yet. I even used this card in Europe and Canada without any issues. I always try to pay the balance on time, and the rewards are available the same day I earn them. The foreign transactions fee is the only thing I don't like about the card but it is not a big drawback for me. I am really happy with my card and recommend it to my friends."
My Final Summary
The Citi Double Cash Card is associated with a great number of advantages. It gives an opportunity to earn 1% cash back on every dollar you spend, as well as an additional 1% back for every dollar paid off. There is no annual fee or limit on rewards. You can start redeeming with just $25 in rewards for a bank account deposit, statement credit, gift card or a check. There is no fee on Balance Transfers for 18 months, but then you will need to pay the ongoing APR from 14.49% to 24.49% Variable APR. Most customers are happy with high rewards rate; however, it is recommended to pay off your balance as soon as possible. The sooner you pay the money, the sooner you will get the second half of the rewards. That's a great incentive, isn't it?
Another advantage of the Citi Double Cash Card is its simplicity of usage. With the 18-month BT offer, you can lazily take out the same card all the time. There is no need to worry about spending limits or retailers. Cash back is also very simple, unlike miles or points offered by other cards of the kind. It is much easier to apply for this card online than for many other cards. You can do it online within several minutes only. But to do this you will need good credit; excellent credit is not required. Taking into account all pros and cons of the Citi Double Cash Card I can undoubtedly recommend it to usage.
Citi Double Cash Card Pricing and Rates
It is not difficult to apply for this card. As it was already mentioned, you can go to its official website and do it in a few minutes. The annual fee is 0%. There is no need to pay the APR for 18 months from getting the card, then the APR is from 14.49% to 24.49%.