is citi double cash a visa

When you apply for the Citi Double Cash Card

, it’s not clear whether it is accepted on the Visa, MasterCard, or American Express networks. Citi has been known to partner with all three networks for its credit cards. After speaking with a Citi representative, we learned that it does come in Visa and MasterCard versions.

Full Answer

Is the Citi double cash card worth it?

The Citi® Double Cash Card – 18 month BT offer is a great choice for people who value simplicity and are less concerned with optimizing their rewards. The card has a $0 annual fee and lets you Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Is Citi double cash still recommended?

The Citi Double Cash Card is one of the best cash-back cards because it earns up to 2% cash back on all purchases (1% when you make a purchase, plus 1% as you pay that purchase off) with no annual fee. Even better, cash back will automatically be earned in the form of ThankYou points starting March 28, 2022.

How to redeem Citi double cash rewards?

How to redeem. Historically, the Citi Double Cash Card only earned cash-back rewards with three options to obtain cash back once your cash rewards balance reaches at least $25: Request a check for at least $25, up to the total cash rewards balance at the time you redeem.

Do rewards expire with Citi double cash back?

There is no limit to the number of points cardholders can earn, and points will not expire. As it stands, the Citi Double Cash Card only earns cash rewards that can be redeemed as statement credits, deposited directly into a bank account, or redeemed as a check received by mail.

Is Citi card a Visa or Mastercard?

MastercardA Citi card will almost always be a Mastercard. Citibank's current Visa cards are the Costco Anywhere Visa® Card by Citi, the Costco Anywhere Visa® Business Card by Citi and the Best Buy® Credit Card.

What does Citi double cash mean?

How does Citi Double Cash work? This card pays you 2% cash back on all purchases, but that money comes in two parts: You get 1% cash back on every dollar you spend, then another 1% back on every dollar you pay back. The rewards structure gives you an incentive to pay off your charges as quickly as possible.

Is Citi double cash a World Mastercard?

The Citi® Double Cash Card - 18 month BT offer is often issued as a World Mastercard, but sometimes you might see it as a World Elite Mastercard as well.

Where is Citi double cash card accepted?

Citi cards are accepted by nearly all merchants that take credit cards in more than 200 countries worldwide. That's because, with the exception of some closed-loop store cards, all Citi credit cards are on either the Mastercard or Visa card network.

Is it hard to get Citi double cash?

The fact that you need a good credit score of 700 or higher to qualify for Citi Double Cash means that more than 45% of potential applicants are unlikely to get approved.

How many credit cards are too many?

Owning more than two or three credit cards can become unmanageable for many people. However, your credit needs and financial situation are unique, so there's no hard and fast rule about how many credit cards are too many. The important thing is to make sure that you use your credit cards responsibly.

What is the difference between Visa and Mastercard?

The only real difference that stands between Visa and Mastercard is that your card works on the payment network that the company operates. A Visa card won't work on Mastercard's network, and vice versa. Ultimately, any other differences in cards come from the specific card you have.

What level Mastercard is the Citi double cash?

Previously, the Citi Double Cash was a basic Mastercard. As such, it offers essential Mastercard perks, such as ID Theft Protection, Mastercard Global Inquiry Services, and Zero Fraud Liability. Now, however, the card is getting an upgrade to World Elite Mastercard status.

What is the highest level Mastercard?

Mastercard World Elite tierThe Mastercard World Elite tier is the highest tier credit card from Mastercard. In addition to the benefits that come with the previous tiers, World Elite comes with perks like Fandango discounts and World Elite concierge service.

Is a Citi card hard to get?

You need a credit score of at least 700 for a Citi credit card in most cases. That means applicants for Citi credit cards need at least good credit to be approved. But it really depends on which card you're after. Some Citi credit cards require higher scores, and one accepts applicants with limited credit history.

How do I use my Citi double Cash Card?

How to redeem: You can redeem your Citi Double Cash Card rewards by logging in to your online account either through the Citi ThankYou Rewards website or its mobile app. Redemption options: You can redeem your rewards as a check, statement credit, and gift cards.

Does closing a credit card hurt your credit?

A credit card can be canceled without harming your credit score⁠; just remember that paying down credit card balances first (not just the one you're canceling) is key. Closing a charge card won't affect your credit history (history is a factor in your overall credit score).

How do you use Citi double cash?

You can redeem your Citi Double Cash Card rewards by logging in to your online account either through the Citi ThankYou Rewards website or its mobile app. Once logged in, you can choose to receive your earned cash back as a check, statement credit and gift cards, among other options.

How do I get cash from my Citi double cash card?

You can get a Citi Double Cash Card cash advance through any ATM that accepts Mastercard with your card and PIN. Another way to request a cash advance is from a bank teller by presenting your card and ID.

How do I pay my Citi double cash?

You can pay your Citi Double Cash Card credit card online, through the Citi mobile app, or over the phone at (855) 473-4583. You can also make a Citi Double Cash Card payment by mail or at a Citibank branch.

What does double cash back mean?

Double cash on a credit card means you get 2% cash back on every purchase charged to the card. The term most often refers to the Citi Double Cash Card, which offers 2% cash back on every purchase (1% when you buy and 1% as you pay for those purchases).

Our Take

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

Quick Facts

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

About the author

Greg Karp is a personal finance expert at NerdWallet. He previously worked at the Chicago Tribune and wrote two money books. Read more

How much cash back does a Citi Double Cash card give?

The Citi Double Cash Card’s 2% cash back—1% back at the time of purchase plus an additional 1% back when the card is paid off—provides relatively plentiful cash back rewards all-around. The extra 1% cash back upon purchase payment is only available when minimum payments are made on time.

How much is the intro balance transfer fee on Citi Double Cash?

After that, the standard variable APR will be 13.99% - 23.99%, based on creditworthiness. There is also an intro balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, completed within the first 4 months of account opening. After that, the fee will be 5% of each transfer (minimum $5).

How much cash back does Discover it give?

The Discover it® Cash Back earns 5% cash back on everyday purchases at different places each quarter up to a quarterly maximum of $1,500 in spending when activated. Plus, earn unlimited 1% cash back on all other purchases – automatically. The most unique feature of the card is the cash-back match at the end of the cardholder’s first year. This feature makes the card an amazing card—for the first year. After the first year, some cardholders may do better with the Citi Double Cash Card. Both cards have no annual fee.

How much is the Walmart card bonus?

And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year..

When do cash back rewards expire?

Cash-back rewards expire on this card if none are earned within 12 months or if the account is closed without the points first being redeemed.

Does Discover it have cash back?

The Discover it Cash Back earns 5% cash back in quarterly rotating categories when you enroll up to a cap and 1% cash back on all other purchases. The most unique feature of the card is the cash back match at the end of the cardholder’s first year. This feature makes the card an amazing card—for the first year. After the first year, some cardholders may do better with the Citi Double Cash Card. Both cards have no annual fee.

Can you earn cash back on Citi Double Cash?

Cash back is not earned on balance transfers, cash advances, account fees, interest or on items that are later returned. Overall, the Citi Double Cash Card’s rewards are fairly easy to earn as long as the bill is paid on time.

More Redemption Options

You'll still have the option to redeem for cash, but ThankYou ® Points also give you other redemption options. Redeem points for gift cards from leading retailers, use them to Shop with Points at Amazon.com, book flights and hotels, and much more. Redemption values vary depending on how you choose to redeem your ThankYou ® Points.

No Limit

You'll enjoy no limit on the amount of ThankYou ® Points you can earn.

No Annual Fee

The Citi Double Cash Card has never had an annual fee, and we're keeping it that way.

How to use Citi Double Cash Card?

How to use the Citi Double Cash Card: Be sure you pay your bill on time each month to earn the full rewards rate. Use the card at least once every 12 months to keep cash back from expiring. If you transfer a balance, make a plan to pay it down in the first 18 months to avoid interest charges.

How much cash back does Citi Double Cash offer?

If you regularly pay off your card in full each month, it’s hard to beat the cash back rewards on the Citi Double Cash card: It offers 2 percent cash back (1 percent when you buy and an additional 1 percent as you make payments for those purchases), making it an ideal card for purchases that don’t qualify for larger bonuses.

What credit card offers 1.5 percent cash back?

For example, consider the Capital One Quicksilver Cash Rewards Credit Card, which offers 1.5 percent cash back on every purchase and comes with a $200 introductory bonus for spending $500 in the first three months. Thanks to the intro offer, the Quicksilver can outpace the Citi Double Cash Card in the first year.

What is Chase Freedom Flex?

The Chase Freedom Flex takes a bit more effort than the Citi Double Cash Card to eke value out of, but it does come with some great perks. You’ll have to enroll each quarter to receive 5% cash back in rotating bonus categories (on up to $1,500 in purchases per quarter, then 1%). For cardholders who don’t want to put a lot of thought into their spending, this can be a big drawback, but if you are willing to do a little extra work, however, you can earn significant rewards by maxing out the cap on bonus categories each quarter. You also get bonus cash back on Ultimate Rewards travel and dining and drugstore purchases.

What is the reward rate on Chase Freedom Unlimited?

The general rewards rate on the Chase Freedom Unlimited is not quite as high as the Citi Double Cash Card – only 1.5 percent cash back on general purchases. However, the card does include a sign-up bonus of $200 cash back when you spend $500 in the first 3 months. You can redeem for cash back, travel purchases or even transfer points to another Chase Ultimate Rewards card, like the Chase Sapphire Preferred® Card – which offers a higher point value when redeemed for travel through the Ultimate Rewards portal.

What is the Blue Cash Everyday card?

Unlike the Citi Double Cash Card, the Blue Cash Everyday offers bonus categories rather than a flat cash back rate. This means savvy spenders who weigh their purchases carefully can earn more out of the card by using it primarily for purchases at U.S. supermarkets and U.S. gas stations.

How much do you need to redeem a Citi card?

Once you’ve racked up rewards with the Citi Double Cash Card, redemption is fairly straightforward. You’ll need to have earned a minimum of $25 to redeem, but once you do, you can opt for a check, statement credit or direct deposit into a Citi checking or savings account.

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Summary

The Citi Double Cash Card makes sense for those who prefer cash back over points, miles and other types of travel rewards. It’s also a great card for those who prefer simplicity over more complex types of cash back credit cards.

Steady cash back that rewards responsible card use

With the Citi Double Cash, you earn 1% cash back at the time of purchase and another 1% cash back when you pay for your purchases, for a total of up to 2% cash back. And you can earn this much cash back on all your purchases, with no limits.

Good long-term value

The Citi Double Cash is the kind of card people keep for many years. While some cards come with generous new account bonuses, the Citi Double Cash does not. Instead, it rewards you by offering consistently high levels of cash back on all purchases, all the time. And it does so with no up-front cost to you.

Is the Citi Double Cash Card good for me?

No one credit card is right for everyone, and the Citi Double Cash is no exception. It’s ideal if you prefer cash back over points, miles and other types of travel rewards. It’s also a great card if you prefer simplicity over more complex types of cash back credit cards.

Which is better, Citi Rewards or Citi Double Cash?

Aside from the rewards program, Citi Rewards+ Card and Citi Double Cash Card are identical (including fees, APRs, and perks). The Citi Double Cash Card is better of the two cards because you’re likely to earn more rewards with it.

How much is the Citi Premier Card?

It has all the features of the Citi Rewards+ Card, but with more rewards and perks. However, it does have a $95 annual fee.

Is Citi Double Cash a good credit card?

It works great as the only credit card you own. If you really want to maximize your cash back earnings, the Citi Double Cash Cardis a great card to complement the rest of your rewards cards. You can also have other top-notch rewards cards for certain types of spending.

Do you need a credit score to get a Citi Double Cash card?

For a fairly decent rewards credit card such as the Citi Double Cash Card, it isn't surprising that you would need a strong credit score. Although credit card issuers don't reveal the credit score requirements to qualify for a card, we have looked throughout the web to get a general idea.

Does Citi Double Cash have an annual fee?

In addition to a simple cash back program, the Citi Double Cash Card doesn’t charge an annual fee. The card’s interest rates are also normal for a rewards card. Ultimately, you should be paying the balance off in full every month. If you carry a balance, the interest charges will cancel out the cash back earned.

Does Citi Double Cash work on Visa?

When you apply for the Citi Double Cash Card, it’s not clear whether it is accepted on the Visa, MasterCard, or American Express networks. Citi has been known to partner with all three networks for its credit cards. After speaking with a Citi representative, we learned that it does come in Visa and MasterCard versions.

Can you redeem Citi Double Cash Card as statement credit?

This would be a missed opportunity to earn 1% cash back. To earn the full 2% cash back with the Citi Double Cash Card, do not redeem cash back as a statement credit. Most of the other cash back credit cards will provide a base 1% cash back rate on all purchases. Meanwhile, certain categories will earn a higher cash back rate.