(Last Updated On: September 2, 2020)

Did you receive a mail invitation for the Citi Double Cash credit card? Instructions were likely for you to go to to apply.

This card boasts a 0% on balance transfers for 18 months (with a 3% transfer fee, minimum of $5) and no annual fee. The Citi Double Cash card lets you earn cash back twice. 1% unlimited on purchases and an additional 1% as you pay for those purchases. This credit card is competitive with other top cash back credit cards in the marketplace.

Earn cash back rewards on every purchase with the Citi® Double Cash card. You get unlimited 1% cash back when you buy, plus another 1% back as you pay for those purchases. Make your money go further with one of Citi’s best cash back credit cards.

What Earns Cash Back

When you make a purchase, you earn 1% unlimited cash back. Then, you earn an additional 1% cash back as you make payments for that purchase, whether you pay in full or over time.

To earn cash back, pay at least the minimum due on time.

You earn cash back on all your purchases and on payments based on your purchases. You do not earn cash back based on balance transfer, cash advances, account fees, interest or returned items.


Choose to receive your cash back as a statement credit, direct deposit, check; or convert to points.

Here is how you accept your offer and apply for the Citi credit card: offer
  • Visit
  • Enter your unique confirmation from the invitation letter to apply. This should be located to the right side in either pink or purple letters, above your name and mailing address.
  • Fill out the credit card application
  • Add an optional balance transfer
  • Submit your application and wait for a credit decision

Citi offers many credit cards well suited for most applicants. We recommend considering other cash back credit card rewards, and comparing other cards if cash back is your priority. We find it likely that the Citi Double Cash card offer will remain compelling, but competitive with increased cash back rewards in the marketplace. 2% cash back is a good offer for most credit applicants.

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Credit Card Invitation provides credit card applicants with more information about pre-screened mail and online credit card offers before applying.


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