Citi Double Cash Card (DC) Review
2018.3 Update: This card does not offer any sign-up bonus previously since its birth, but now there’s a $100 bonus! However, if you are deep in the game, the best way to get this card is still apply for other Citi cards with high sign-up bonus and then product change to get this card after one year.
- $100 Offer: earn $100 after spending $500 in the first 3 months.
- Everything 2% cash back: earn 1% cash back on every purchase you make, and an additional 1% cash back when you pay at least the minimum due.
- No annual fee.
- It has foreign transaction fee, so it's not a good choice outside the US.
Recommended Application Time
- [8/65 Rule] You can apply for at most 1 Citi cards every 8 days, and at most 2 Citi cards every 65 days, no matter approved or not.
- Citi values the number of recent hard pulls a lot, we recommend you apply when there’s less than 6 hard pulls in the past 6 months.
- We recommend you apply for this card after you have a credit history of at least one year.
This card is a no-brainer choice: everything 2% cash back with no annual fee, worth keeping for everyone. You probably should use this card for all transactions that don’t have 2%+ reward rate. There’s no sign-up bonus on this card, so instead of applying for this card directly, we recommend you get Double Cash by downgrading other Citi cards with high sign-up bonus. According to Citi’s policy, only accounts older than 12 months can be downgraded. There are another two no annual fee 2% cash back cards: Fidelity Rewards (Visa) and Alliant Visa Platinum Rewards. I prefer DC among the three because you can get it from downgrading a card that has a huge sign-up bonus.
In “other” spending category, except for the 2% cash back cards, you also have these two options:
- Chase Freedom Unlimited (CFU), 1.5x UR points on all purchases. According to our points value estimation, it’s about ~2.4% return. No annual fee.
- AmEx SPG, 1x SPG points on all purchases. According our points value estimation, it’s about ~2.4% return. $95 annual fee.
For those who like to play the points/miles game, these two are better options; for those who believes cash is king, the 2% cash back cards are the right choice.
- Call 888-201-4523 to check Citi application status.
- Citi reconsideration backdoor number: 866-336-7285. This is a so called “Citi EO” (Executive Office) phone number. This phone number is not designed to make reconsiderations, but the representatives are really helpful.