Complete Terms Page
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases

0% introductory APR for 9 months from date of account opening.

After that, your APR will be 25.49%.  This APR will vary with the market based on the Prime Rate.a

APR for Balance Transfers

0% introductory APR for 9 months from date of first transfer when transfers are completed within 4 months from date of account opening.

After that, your APR will be 25.49%.  This APR will vary with the market based on the Prime Rate.a

APR for Cash Advances


This APR will vary with the market based on the Prime Rate.b

Penalty APR and When it Applies

Up to 29.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.c

This APR may be applied to your account if you:
(1) Make a late payment or
(2) Make a payment that is returned.

How Long Will the Penalty APR Apply? If your APRs are increased for either of these reasons, the Penalty APR may apply indefinitely.

How to Avoid Paying Interest on Purchases

Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than 50 cents.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at

Annual Fee


Transaction Fees
Balance Transfer

Either $5 or 3% of the amount of each transfer, whichever is greater.

Cash Advance

Either $10 or 5% of the amount of each cash advance, whichever is greater.

Foreign Purchase Transaction

3% of each purchase transaction in U.S. dollars.

Penalty Fees
Late Payment

None for the first late payment; up to $35 after that.

Returned Payment

Up to $35

How We Will Calculate Your Balance: We use a method called "daily balance (including current transactions)."

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.

For more information call Citibank at 1-877-625-6382. New York residents may contact the New York State Department of Financial Services at (800) 342-3736 or for comparative information on credit card rates, fees and grace periods.

Payment Allocation: We may apply the portion of your payments up to your Minimum Payment Due to lower APR balances first, including transferred balances. Generally, payments above your Minimum Payment Due will be applied to your highest rate balance first.

Prime Rate: The variable rates shown here are accurate based on a 5.25% Prime Rate.
a We add 20.24% to the Prime Rate to determine the Purchase/Balance Transfer APR.
b We add 21.99% to the Prime Rate to determine the Cash Advances APR.
c We add up to 26.74% to the Prime Rate to determine the Penalty APR.
Variable rate APRs will not exceed 29.99%.
Citi® Double Cash Card Terms & Conditions

This offer is valid for new accounts only. You must be at least 18 years of age. If you're married, you may apply for a separate account. Citibank, N.A., Sioux Falls, SD, ("Citi," "we" or "us") is the issuer of your account. Please allow 4 weeks from date of submission to process your Card Account application.

By submitting this application, you request that Citi establish a Citi® Double Cash Card account (the "Card Account") to you and any authorized users you have designated. You agree that all information provided in this application must be verifiable and accurate. The Card Account is governed by the terms of the card agreement ("Card Agreement") provided when the Card Account is issued.

Identity Verification

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT - To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. This means that we will ask for your name, address, date of birth, and other information that will allow us to identify you when you open an account. We may also ask to see your driver's license or other identifying documents; and obtain identification information about you or any authorized user you add to your account.

Credit Reports

You authorize us to get credit reports and other information about you from consumer reporting agencies and other sources, for such purposes as: determining whether to issue you a Card Account, administering, reviewing and renewing the Card Account, credit line increases or decreases, collection and other servicing of the Card Account, and offering other products and services and for any other uses permitted by law. If you ask us, we'll tell you whether or not we requested a credit bureau report and the names and addresses of any credit bureaus that provided us with such reports. From time to time, we may report negative information about your Card Account behavior, like delinquencies, to consumer reporting agencies.

Credit Information

To receive a Card Account, you must meet our applicable criteria bearing on creditworthiness.

Your credit limit will be determined based on the following:

  • Your annual salary and wages
  • Any other annual income
  • A review of your debt, including the debt listed on your credit report

We'll inform you of your credit limit when you receive your credit card. Some limits may be as low as $500. Please note that cash advances may be limited to a portion of your credit limit.

Card Agreement

If you are approved for a Card Account, you'll receive a Card Agreement before you can use your Card Account. The terms of the Card Agreement will take effect once you use your Card Account. Even if you do not use your Card Account, the Card Agreement will take effect if you do not cancel your Card Account within 30 days after we send you the Card Agreement. We have the right to make changes to the terms of your Card Account (including rates and fees) in accordance with the Card Agreement.

Special Notices

Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Notice to Wisconsin Residents: No marital property agreement, unilateral statement, or court decree adversely affects our rights, unless you give us a copy of such agreement, statement or court order before we grant you credit, or we have actual knowledge of its terms before your account is opened.

Important Information About Adding An Authorized User

Before adding an authorized user to your Card Account you should know:

  • You're responsible for all charges made or allowed to the Card Account by the authorized user.
  • Authorized users have access to your Card Account information.
  • Before adding an authorized user, you must let him/her know that we may report Card Account performance to the credit reporting agencies in the authorized user's name.

If we ask for information about the authorized user, you must obtain their permission to share their information with us and for us to share it as allowed by applicable law.

Balance Transfer Information

How to Make Balance Transfers

  • After receiving your card, you can call the customer service number on the back of your card to transfer balances. Balance transfers are made available at our discretion. All balance transfers are subject to the standard purchase APR unless an introductory and/or other promotional rate applies.
  • If we give you the option to transfer a balance with your application, it will take at least 14 days after your Card Account is opened to process any balance transfer payments. During this time, you may cancel or modify your balance transfer request by calling the number on the back of your card.
  • You may transfer any amount, but the total amount of your balance transfer plus balance transfer fees must be less than your available credit limit. Be sure you don't transfer any disputed purchase or other charge amount because you may lose your dispute rights. You cannot transfer balances from other accounts issued by Citi or its affiliates. If you are unsure of the issuer on the account, please visit for a list of Citi products and affiliates.
  • Continue to make payments on your other accounts until you have confirmed this balance transfer has been received. Once approved, we'll pay the amount of the balance transfer directly to that issuer. The available credit limit for your new card will be reduced by the total amount of the transfers, including fees we approve.

Things You Should Know About Your Balance Transfer Offer:

If you transfer a balance with this offer, interest will be charged on purchases made with your credit card unless your purchases have a 0% APR or you pay the New Balance shown on your statement (including the amount of your balance transfer) in full by the payment due date each billing period.

If you default under your Card Agreement you may lose any promotional APR on the balance transfer.

Additional Information

Any benefit, reward, service or feature offered in connection with your Card Account may change or be discontinued at any time for any reason, except as otherwise expressly indicated. Citi isn't responsible for products and services offered by other companies.

Citi® Double Cash Card Reward Program Information

Your Card Account will earn cash rewards based on your eligible transactions. Such eligible transactions include purchases and payments made based on those purchases. The cash rewards will show cumulatively on your billing statement as "cash back on purchases" and "cash back on payments".

Cash Back on Purchases: Unless you are participating in a limited time promotional offer, you will earn 1% cash back based upon eligible purchases appearing on your current month's billing statement. Eligible purchases you make will be accumulated in the "Purchase Tracker" shown on your billing statement. The Purchase Tracker shows the balance eligible to earn cash back on payments each billing cycle. Eligible purchases do not include balance transfers, cash advances, convenience checks, disputed or unauthorized purchases/fraudulent transactions, Card Account fees and finance charges and fees for services or programs you elect to receive through us. Limited time promotional offers do not apply to personal banking transactions you make so you will only earn 1% on these transactions.

Cash Back on Payments: You will also earn 1% cash back on payments you make that appear on your current month's billing statement as long as the amount paid is at least the Minimum Payment Due that is printed on your billing statement and there is a balance in the Purchase Tracker. The balance in the Purchase Tracker is reduced by eligible payments you make. When the Purchase Tracker reaches $0, you won't earn cash back on payments until more eligible purchases are made.

Redeeming Cash Rewards: As soon as the cash rewards balance totals $25 or more, you may visit or contact us at 1-855-473-4583 to redeem your cash rewards. You can choose to redeem your cash rewards as follows:

  • Request a check for at least $25 up to the total cash rewards balance at the time you redeem;
  • Redeem for a statement credit to your Card Account for at least $25 up to the total cash rewards balance at the time you redeem;
  • Redeem for a credit to your linked Citi savings or checking account or to a checking account from which you have paid a Citi Credit Card bill at least two times.

Only you may redeem cash rewards, unless you or we agree otherwise. You are responsible for any taxes that may be due on cash rewards redemptions.

Account Closure: If we close your Card Account, you will no longer be able to earn or redeem your cash rewards, and you will forfeit any accumulated cash rewards. If you close or convert your Card Account, you will no longer be able to earn cash rewards and you must redeem any eligible cash rewards prior to account closure or cash rewards will be forfeited.

Cash Rewards Expiration: Your cash rewards balance will expire if you have not earned any cash back from purchases or payments for 12 months.

Value of Cash Rewards: Cash rewards have no cash value until such time as you may request and receive redemption (check or statement credit or direct deposit) for your eligible cash rewards. You may not assign, transfer, or pledge your cash rewards. You have no property rights or other legal interest in cash rewards.

Program Rules: We may revise any of these terms at any time with 30 days prior written notice. In addition, we may terminate the Citi Double Cash Card Reward Program with 30 days prior written notice. If we terminate the program, you will only have 90 days to request your redemption eligible cash rewards.

Fraud: If your Card Account shows any sign of fraudulent, abusive or suspicious activity, we may close or suspend your Card Account immediately without giving you prior notice. You may also forfeit your accrued cash rewards.

When you become a cardmember, you will receive the full Citi® Double Cash Card Terms and Conditions.