It is not hard to get the Citi Double Cash® Card because it only requires fair credit, which means we recommend a credit score of 640+ gives you good odds of getting approved. Most credit cards with such attractive rewards, rates and fees require good or excellent credit.

In order to get the Citi Double Cash Card, you will have to meet the credit score requirement, have a steady income, and be at least 18 years old. You'll also need to have an SSN. Just keep in mind that even though it's not especially hard to get the Citi Double Cash Card, you're still not guaranteed to be approved.

Finally, keep in mind that lenders might use a different score when deciding whether to approve you for a financial product and approval is never guaranteed.

The Citi Double Cash® Card credit limit is between $500 and $50,000, with $500 being the default minimum credit limit and $50,000 being the highest limit reported by cardholders. Citi doesn't disclose an official maximum, but a good credit score and enough income will likely get you a high limit.

What to Know About the Citi Double Cash Card Credit Limit

How your credit limit is determined

When determining credit limits, factors such as your debt-to-income ratio, payment...

The best Citi Double Cash Card benefits are virtual account numbers and identity theft protection. The Citi Double Cash® Card also has identity theft protection and contactless chip technology, which are more common perks across Citibank credit cards.

Citi Double Cash Card Benefits

• Virtual account numbers
• Identity theft protection
• Contactless chip technology
• Account activity alerts
• Zero liability fraud protection

In addition to these benefits, the Citi Double Cash Card comes with a $0 annual fee and offers rewards...

The Citi Double Cash® Card foreign transaction fee is 3%. This means Citibank will add a 3% surcharge anytime you use the Citi Double Cash® Card outside of the United States. The fee also applies to online purchases made through an internationally-based merchant.

To learn more, refer to our guide on foreign transaction fees and our editors' picks for the best credit cards without foreign fees.

The Citi Double Cash balance transfer limit is determined by your credit limit. You can transfer any amount as long as the total amount plus the balance transfer fee don't exceed your credit limit.

Keep in mind that the Citi Double Cash card has a transfer intro APR of 0% for 18 months, with a balance transfer fee of 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer.

After that, the APR for balance transfers will be 18.24% - 28.24% (V).

The Citi Double Cash® Card credit score requirement is fair credit or better. That means we recommend a credit score of 640 or better to have a shot at getting approved for the Citi Double Cash Card.

Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Citi Double Cash Card, too. Some other key criteria include your income, existing debt load, recent credit inquiries, number of...

Yes, the Citi Double Cash Card does have pre-approval. Citibank has an online pre-approval page where potential applicants can quickly check their odds of approval for certain Citibank credit cards before they actually apply for one. Current Citibank customers may also receive pre-approved offers periodically by e-mail or when logging into their card's online account. And in some cases, Citibank will send people pre-approved offers for a specific credit card in the mail.

Getting pre-approved for a Citi Double Cash Card indicates that...

The biggest disadvantage of the Citi Double Cash® Card is that it has a high APR, at 18.24% - 28.24% (V). Carrying a balance on the Citi Double Cash® Card is very expensive, but you can avoid this drawback if you pay your bill in full every month. That way, you won't owe any interest.

Citi Double Cash Card Disadvantages

• High APR: The Citi Double Cash Card has a relatively high APR, at 18.24% - 28.24% (V).
• Balance transfer fee: The balance transfer fee is 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer.
• Foreign transaction...

No, the Citi Double Cash Card does not offer rental car insurance anymore. Citibank discontinued this benefit for the Citi Double Cash Card and most of its other cards a while back. The good news is that there are several other credit cards with rental car insurance, covering collision damage and theft.

Alternative Credit Card Options with Rental Car Insurance

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Keep in mind that you have to make the full rental purchase with an eligible card in order to qualify....

The Citi Double Cash Card doesn't have a referral bonus. But if you're in the market for a new Citi Double Cash Card account, you can earn an initial bonus by spending $1,500 in the first 6 months, which gives you an initial bonus of $200. 

On the other hand, there are plenty of credit cards that do offer referral bonuses. You can check out our editors' latest picks for the best credit cards that offer a referral bonus to weigh your options.