How to Activate Citi Double Cash Card
1
Activate Online
Go to citi.com/credit-cards/credit-card-activation.do → enter card number, expiry, and CVV → click "Activate".
2
Activate via Citi Mobile App
Open the Citi Mobile® App → sign in → tap "Services" → "Activate a new card" → verify with your account PIN or biometrics.
3
Activate by Phone
Call 1-800-950-5114 and follow the automated prompts. Have your card number and last 4 digits of SSN ready.
4
Enroll in ThankYou® Rewards
After activation, link your Citi ThankYou® account to convert your cash back into transferable points for travel partners.
Fee Structure
| Fee Type | Amount | Notes |
|---|---|---|
| Annual Fee | $0 | No annual fee ever |
| Foreign Transaction Fee | 3% | Charged on international purchases |
| APR (Variable) | 19.24%–29.24% | After intro 0% APR period |
| Intro APR (Purchases) | 0% for 18 months | Then regular APR applies |
| Balance Transfer Fee | 5% (min $5) | Of balance transferred |
| Late Payment Fee | Up to $41 | After payment due date |
Cash Back Rewards Breakdown
| Action | Cash Back | How It Works |
|---|---|---|
| When You Buy | 1% Cash Back | Automatically on every purchase |
| When You Pay Your Bill | 1% Cash Back | On the amount paid each month |
| Total Effective Rate | 2% Cash Back | On all purchases, no category limits |
| Minimum Redemption | $25 | Via check, statement credit, or gift card |
| ThankYou® Points Option | 1 pt per 1¢ back | Transfer to airline/hotel loyalty programs |
| Welcome Bonus | $200 Cash Back | Spend $1,500 in first 6 months |
💡 Pro Tip: Pair the Citi Double Cash with a Citi Premier® card to unlock the ability to transfer ThankYou® points to 17+ airline and hotel loyalty programs.