# Citi Double Cash Card

> credit card from Citibank

**Wikidata**: [Q111367258](https://www.wikidata.org/wiki/Q111367258)  
**Source**: https://4ort.xyz/entity/citi-double-cash-card

## Summary
The Citi Double Cash Card is a credit card issued by Citibank that offers users cash back rewards on every purchase. It is part of the broader category of payment cards and functions under the Mastercard network.

## Key Facts
- **Issuer:** Citibank
- **Card Network:** Mastercard
- **Reward Program:** ThankYou Rewards
- **Foreign Transaction Fee:** 3%
- **Annual Fee:** $0
- **Instance Of:** Credit card
- **Website:** [Citi Double Cash Card](https://www.citi.com/credit-cards/citi-double-cash-credit-card) (in English)
- **Description:** A credit card from Citibank offering 2% cash back on all purchases

## FAQs
**What is the Citi Double Cash Card?**  
The Citi Double Cash Card is a credit card offered by Citibank that provides 2% cash back on every purchase made with the card. It operates on the Mastercard network and participates in the ThankYou Rewards program.

**Does the Citi Double Cash Card charge an annual fee?**  
No, the Citi Double Cash Card does not charge an annual fee, making it a cost-effective option for users seeking cash back rewards without recurring costs.

**Are there any foreign transaction fees with the Citi Double Cash Card?**  
Yes, the card charges a foreign transaction fee of 3% on transactions made in foreign currencies or with foreign merchants.

**What rewards program does the Citi Double Cash Card use?**  
The card is integrated with the ThankYou Rewards program, which allows users to earn and redeem points for various benefits including travel, gift cards, and statement credits.

**How does the Citi Double Cash Card differ from other Citibank credit cards?**  
Unlike other Citibank credit cards that may offer category-based rewards or promotional bonuses, the Citi Double Cash Card provides a flat 2% cash back on all purchases with no rotating categories or bonus categories required.

## Why It Matters
The Citi Double Cash Card plays a significant role in the consumer credit market by offering a simple, flat-rate cash back reward system. Its lack of an annual fee and straightforward reward structure make it accessible and appealing to a broad audience, including those who prefer uncomplicated reward mechanisms. As part of Citibank's portfolio, it contributes to the bank's competitive positioning in the credit card rewards space and supports consumer financial flexibility through cash back incentives.

## Notable For
- Offering a flat 2% cash back on all purchases with no category restrictions
- Having no annual fee, distinguishing it from many premium cash back cards
- Integration with the ThankYou Rewards program for flexible redemption options
- Being issued by Citibank, a globally recognized financial institution
- Operating on the widely accepted Mastercard network

## Body

### Product Overview
The Citi Double Cash Card is a consumer credit card designed to offer consistent value through its 2% cash back reward on all purchases. It is issued by Citibank, a major global financial services provider, and functions within the Mastercard payment network. This structure ensures broad acceptance and reliability for users across various transaction environments.

### Reward Mechanism
The card's primary appeal lies in its straightforward reward system:
- **2% Cash Back:** Users earn 1% cash back as they make purchases, with an additional 1% earned when they pay off those purchases. This dual-phase earning model incentivizes both usage and responsible repayment.
- **ThankYou Rewards Program:** Earnings are tracked and managed through the ThankYou Rewards platform, which allows for redemption in multiple forms including statement credits, gift cards, and travel bookings.

### Cost Structure
The card is designed to be cost-effective for users:
- **No Annual Fee:** The card does not charge a yearly subscription fee, reducing the cost of ownership.
- **Foreign Transaction Fee:** A 3% fee applies to transactions in foreign currencies or with international merchants, which is standard among many credit cards but should be considered by frequent travelers.

### Technical and Functional Specifications
As a credit card, the Citi Double Cash Card adheres to standard physical and digital specifications:
- **Physical Dimensions:** Complies with ISO/IEC 7810 standards (85.60 mm x 53.98 mm x 0.76 mm).
- **Digital Representation:** Like other credit cards, it is symbolized by the Unicode character 💳.
- **Classification:** It is categorized under Dewey Decimal Classification 332.765 and is distinct from charge cards and debit cards.

### Issuer and Network
- **Operator:** Citibank, a subsidiary of Citigroup Inc., is a leading global bank with a strong presence in consumer banking.
- **Card Network:** Mastercard, one of the world's largest payment networks, ensures global acceptance and security features.

### Online Presence and Accessibility
The card maintains visibility through:
- **Official Website:** Detailed information and application processes are available at [Citi's official site](https://www.citi.com/credit-cards/citi-double-cash-credit-card), provided in English.
- **Digital Ecosystem:** As part of the broader credit card entity, it is discussed in online communities such as r/CreditCards and is part of financial discourse on platforms like Quora and Zhihu.

### Competitive Positioning
Within the landscape of cash back credit cards, the Citi Double Cash Card stands out for:
- **Simplicity:** Its flat-rate reward system avoids the complexity of rotating or category-based bonuses.
- **No Annual Fee:** This feature enhances its appeal to users who prioritize low-cost access to rewards.
- **Universal Redemption:** The ThankYou Rewards program offers flexibility in how users redeem their cash back, supporting diverse financial behaviors and preferences.