How to apply for the Citi Double Cash Card: requirements and steps
Citi Double Cash® Card rates and fees
The Citi Double Cash® Card is a no-annual-fee Mastercard that earns 2% cash back on purchases: 1% when you buy and 1% as you pay. This guide covers who can apply, what information you’ll need, how the application works and what to do once you’re approved.
The card at a glance
- Network: Mastercard
- Annual fee: $0
- Rewards: 2% cash back on purchases, paid as ThankYou® Points
- Welcome offer: $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening
- Balance transfers: 0% intro APR for 18 months, then a variable APR based on your creditworthiness
- Foreign transaction fee: 3%
Terms checked in September 2026. Offers change often, so review the current rates and fees on Citi’s official website before you apply.
Who can apply
You need to be at least 18 to apply. Under federal law, applicants under 21 must show enough independent income to make the payments. Citi doesn’t publish a minimum credit score, and approval depends on your credit profile.
The welcome offer has a restriction worth checking before you apply: it isn’t available if you received a new account bonus on a Citi Double Cash account in the past 48 months, or if you converted another Citi card on which you earned a bonus in that period into a Citi Double Cash account.
Information you’ll need to apply
The application is online, and in most cases you won’t need to upload documents. Have this information ready:
- Full legal name and date of birth
- Home address
- Social Security number
- Total annual income
Citi may ask for additional documents if it needs to verify your identity or income.
How to apply for the Citi Double Cash® Card
- Check if you’re pre-qualified. Citi’s website has a pre-qualification tool you can use before submitting a full application.
- Open the application on the card’s page on Citi’s website and fill in your personal and financial information.
- Read the pricing and terms before you submit. They list the current APRs, fees and the details of the welcome offer.
- Submit the application and wait for Citi’s decision.
Submitting a full application usually results in a hard inquiry on your credit report, which can lower your score slightly for a period.
After you’re approved
When the card arrives, activate it using the instructions that come with it. Then set up the Citi Mobile® App, where you can turn on balance and payment alerts, choose your payment due date and lock the card with Citi® Quick Lock if you misplace it.
If you want the welcome offer, keep track of your spending. You need $1,500 in purchases within the first 6 months of account opening.
Frequently asked questions
How to contact Citi
- Citi credit card customer service: 1-800-950-5114
- Customer service in Spanish: 1-800-947-9100
- From outside the United States (collect): 1-605-335-2222
- TTY: Citi accepts 711 or other relay services
Our take on the Citi Double Cash® Card
The Citi Double Cash® Card works best for people who pay the full balance every month and want a simple rewards card with no annual fee. If you plan to use it for a balance transfer, include the transfer fee in your math and make sure you can pay off the balance within the 18-month intro period. If you travel abroad often or need 0% interest on new purchases, another card will likely serve you better.
The button below takes you to Citi’s official website, where you can check the current terms and apply.
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