Cash-back card
Simple flat-rate catch-all that many keep for years; the main gripe is Citi customer service.
A score out of 100 for how well reviewed a product is. It rises with positive reviews and with how many there are; negative and mixed reviews take points off.
So a handful of glowing reviews can’t beat a product lots of people like. No sponsored placements.
Topics grouped from customer reviews, with how many mention each; read the originals below.
Showing 37 reviews mentioning poor support Show all
Reddit · r/personalfinance · Oct 22, 2026
NegativeSummary of a Reddit comment
They used to hold the Citi Double Cash but a fraud dispute over an Airbnb charge went against them for months until they submitted extensive paperwork, after which they closed the account.
Reddit · r/CreditCards · May 18, 2026
NegativeSummary of a Reddit comment
Closed the Double Cash after repeated account locks over Apple Pay and terrible customer service.
Reddit · r/CreditCards · Jan 14, 2026
NegativeSummary of a Reddit comment
Moved off the Double Cash after Citi upheld a subscription charge they never knowingly agreed to.
Reddit · r/personalfinance · Apr 19, 2025
NegativeSummary of a Reddit comment
Citi's fraud team makes the Double Cash so hard to use that they threatened to close it after 15 years.
Reddit · r/CreditCards · Aug 30, 2026
NegativeSummary of a Reddit comment
A Paze credit still had not posted to the Double Cash after a month.
Reddit · r/CreditCards · Feb 13, 2026
NegativeSummary of a Reddit comment
They found Citi unwilling to raise their Double Cash limit and said resolving fraud after an account hack was like pulling teeth, so they now use the card only for groceries.
Reddit · r/CreditCards · Jan 14, 2026
NegativeSummary of a Reddit comment
Closing a late parent's card left $19 of Double Cash rewards stranded below Citi's payment and check minimums.
Reddit · r/CreditCards · Mar 22, 2026
NegativeSummary of a Reddit comment
Gave up the Double Cash because of garbage tactics at Citi.
Reddit · r/CreditCards · Oct 10, 2025
NegativeSummary of a Reddit comment
Switching away because Citi keeps declining ordinary purchases as fraud and never explains why.
Reddit · r/CreditCards · Oct 4, 2025
NegativeSummary of a Reddit comment
Citi dragged its feet on a clearly fraudulent charge until a CFPB complaint was filed.
Reddit · r/personalfinance · Apr 19, 2025
NegativeSummary of a Reddit comment
Citi fraud agents gave an odd identity-verification runaround and offered only a mailed letter.
Reddit · r/CreditCards · Jan 24, 2025
NegativeSummary of a Reddit post
Citi rejected a chargeback and sided with a vendor that produced a fake invoice.
Reddit · r/CreditCards · Mar 10, 2023
NegativeSummary of a Reddit post
After nearly ten years fed up with Citi customer service and closing the Double Cash.
Reddit · r/CreditCards · Oct 3, 2024
NegativeSummary of a Reddit post
Two legitimate disputes were ruled for the merchant with no chance to provide documentation.
Reddit · r/CreditCards · Apr 14, 2021
NegativeSummary of a Reddit comment
Not a fan: Citi charged double fees despite autopay and funds in the bank.
Reddit · r/churning · Dec 28, 2014
NegativeSummary of a Reddit comment
Citi support gave automated replies and no clear policy on the targeted offer.
Reddit · r/CreditCards · Jun 20, 2022
NegativeSummary of a Reddit comment
Dislikes the points redemption system and gets no credit limit increases despite a 750+ score.
Reddit · r/personalfinance · Feb 5, 2022
NegativeSummary of a Reddit comment
Filed 40 complaints with Citi about not getting their cash back and then cancelled the 15-year-old card.
Reddit · r/CreditCards · Oct 19, 2021
NegativeSummary of a Reddit comment
Found Citi customer service unwilling to help with an issue in two experiences.
Reddit · r/CreditCards · May 15, 2020
NegativeSummary of a Reddit comment
After paying off the card, available credit froze at $7 and Citi said the account was under review.
Reddit · r/CreditCards · Apr 23, 2020
NegativeSummary of a Reddit comment
Likes the card but found Citi's dispute process very frustrating.
Reddit · r/personalfinance · May 3, 2017
NegativeSummary of a Reddit comment
Direct deposit redemption was repeatedly unavailable after required payments, and Citi support could not help.
Reddit · r/churning · Jan 30, 2017
NegativeSummary of a Reddit comment
Would use the Double Cash more but Citi gave only a $3,200 limit.
Reddit · r/CreditCards · Oct 3, 2024
NegativeSummary of a Reddit comment
Citi was useless on two legitimate disputes.
Reddit · r/CreditCards · Sep 5, 2024
NegativeSummary of a Reddit post
After seven years the Double Cash disputes generally sided with the merchant despite lots of evidence.
Reddit · r/CreditCards · Jun 24, 2024
NegativeSummary of a Reddit comment
Never received the $200 Double Cash bonus and support could not find the offer.
Reddit · r/CreditCards · Dec 6, 2022
NegativeSummary of a Reddit comment
Several Citi merchant offers never paid out after redemption.
Reddit · r/CreditCards · Jul 9, 2022
NegativeSummary of a Reddit comment
Strongly warns against Citi cards.
Reddit · r/CreditCards · Oct 18, 2021
NegativeSummary of a Reddit comment
Citi kept siding against them on a duplicate unauthorized charge and only credited it after months.
Reddit · r/CreditCards · Apr 12, 2021
NegativeSummary of a Reddit comment
Stopped using the Citi card because the mobile app is so bad.
Most customers use it as a simple flat-rate catch-all and keep it for years, with easy redemption and handy price protections. The main complaint is Citi customer service, especially fraud flags and disputes ruled for the merchant. Some also dislike benefits being cut, the shift to ThankYou points, and the foreign transaction fee.
Of the 147 reviews with a clear verdict, 56% are positive, 13% mixed and 31% negative. The praise mentioned most is great rewards. The most common complaint is poor support.
The praise reviewers mention most: great rewards (26 reviews), helpful support (4 reviews) and reliable (3 reviews). For example: Calls the Double Cash a great card for big purchases with quick redemption, though clunky website and no travel use.
The complaints reviewers mention most: poor support (14 reviews). For example: Direct deposit redemption was repeatedly unavailable after required payments, and Citi support could not help.
It's how well reviewed Citi Double Cash is, out of 100. Negative and mixed reviews take points off, and so does having only a few reviews: a product needs plenty of them, compared with the most-reviewed products here, to reach the high 80s and 90s. It's worked out from reviews only, needs at least 5 of them, and updates as new ones come in.
Category: Cash-back card. Type: Flat-rate cash-back credit card. Fees: No annual fee. Rates & rewards: 2% cash back on purchases: 1% when you buy, 1% as you pay.
147 are quotes from Reddit, each linked to the original. Customer reviews are checked for spam before they appear. Every review, written here or quoted, is read as positive, mixed or negative.