The Citi Double Cash Credit Card is a rewards credit card offered by Citibank. It is designed for individuals with basic credit scores, ranging from $500 to $11,000 limits. This card is known for its unique cashback structure, which allows you to earn cashback twice on every purchase you make.

The card offers a double cashback feature. You earn 1% cashback when you make a purchase and another 1% cashback when you pay off that purchase, effectively totaling 2% cashback on all eligible purchases. This encourages responsible payment behavior.

Even for individuals with basic credit scores, this card provides the opportunity to build credit while earning rewards. It offers a straightforward cashback system, a credit limit that aligns with your creditworthiness, and the potential to gradually improve your credit score over time.

You can apply for the Citi Double Cash Credit Card through Citibank’s official website or by visiting a local Citibank branch. The application process typically involves providing personal and financial information, including your income, employment details, and Social Security number.

The Citi Double Cash Credit Card usually does not have an annual fee. However, it’s important to review the most recent terms and conditions before applying, as fees and terms can change.

While the primary feature of the card is its cashback program, there might be other perks, such as a 0% introductory APR on balance transfers and purchases for a certain period. Additionally, the card might offer fraud protection, online account management, and customer service.

To maximize the benefits of the Citi Double Cash Credit Card with a basic credit score, focus on using the card responsibly. Pay your bills on time, preferably in full each month, to avoid interest charges and late fees. This will help you improve your credit score over time and establish a positive credit history.