This card gives you 1% cash back on all purchases.  You also get another 1% cash back when you pay them off.  There is no limit on how much you can earn.  There is no annual fee.

A disadvantage to this card is that it has no sign-up bonus. It also doesn’t offer ways to earn more than its based rewards rate.  Another disadvantage to this card is that if you quit using the card, your reward balances will expire in 12 months.  If you want to keep your rewards in place, you will need to at least make minor purchases with the card at least once every 12 months to prevent expiration of your rewards. 

Pros

•  No annual fee
• 0% APR on balance transfers
• 1% cash back on all purchases
• 1% cash back when you pay purchases off

 

Cons

• No sign-on bonuses
• $25 minimum redemption
• No 0% APR for purchases
• Doesn’t offer ways to earn more than its based rewards rate
• Reward balances will expire in 12 months if you stop using card

What Other People Are Saying

“This is my go to spending card. The starting limit was not very high, but as it became my main card, that fixed itself. The website just works, though could use some improvements in the ability to download year end statements. I’ve had little need to contact customer support, but the one time I did it worked without issue. Good card, good rate, and good riddance to 5% categories and tracking gimmicks.  I’d like to see them offer auto-pay that works a few days BEFORE the due date, so in case there is an auto pay issue it can be resolved before anything is late.”

“I have not experienced any issues that others have been complaining about. My limit is plenty high, I don’t have any fraud alert issues, etc. All I do is buy stuff and get rewards. At 2%, it’s hard to beat.”

Cost and Process to Join

Applying is easy.  There is no cost to join and no annual fee.  The lack of an annual fee makes this card stand out.  To apply for a Citi Double Cash Card, click here.

Customer Service

It was refreshing to read so many positive experiences with a credit card’s customer service. There were negative reports too, but the positive, out-weighed the negatives.

My Conclusion

The Citi Double Cash Card gives you 1% cash back on all purchases and another 1% cash back when you pay them off. There is no limit on how much you can earn and no annual fee. A down side to this card is that it has no sign-up bonuses nor does it offer ways to earn more than its based rewards rate. Also, if you quit using the card, your reward balances will expire in 12 months.

If you want to keep your rewards in place, you will need to at least make minor purchases with the card once every 12 months to prevent expiration of your rewards.  Overall though, this seems like a decent rewards card. I hope that my review of the Citi Double Cash Card helps you decide if it would be the right fit for you!

For more reviews and information, check out our list of the top rewards credit card.