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Citi® Double Cash Card – 18 month BT offer

Citi<sup>®</sup> Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer

Rewards Rate
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Intro Balance Transfer APR
0% for 18 months on Balance Transfers
Regular Purchase APR
13.99% – 23.99% (Variable)
Edited by
Julie Sherrier
Reviewed by
Alexandria White
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is the Citi® Double Cash Card card best for?

The Citi® Double Cash Card , from our partner Citi, is a top-notch cashback card that also offers a lengthy intro APR period on balance transfers. Whether you’re looking to earn flat-rate cash back on every purchase or save on interest charges with a long intro APR period to pay off debt transferred from another card, the Citi® Double Cash Card is a good credit card to consider.

We’ll break down where this card stands out, where it falls short, and compare it to another option for those who need to transfer a balance.

Citi® Double Cash Card overview

    • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
    • To earn cash back, pay at least the minimum due on time.
    • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
    • Balance Transfers do not earn cash back.
    • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
    • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Credit needed:
    660 850
    Excellent/Good
  • Works with digital wallets including Apple Pay, Google Pay and Samsung Pay
  • If you’ve lost your card, Citi can usually replace it within 24 hours
  • 24-hour fraud protection (alerts if Citi spots unusual activity on the account)
  • Citi Identity Theft Solutions

Intro Purchase APR

N/A

Intro BT APR

0% for 18 months on Balance Transfers

Annual Fee

$0

Regular Purchase APR

13.99% – 23.99% (Variable)

Cash Advance Fee

5% of each cash advance; $10 minimum

Foreign Transaction Fee

3%

Balance Transfer Fee

3% of each balance transfer; $5 minimum.

Pros and cons

Pros

  • Great flat-rate rewards
  • Long intro APR period for balance transfers
  • $0 annual fee
  • Access to Citi Entertainment

Cons

  • 3% foreign transaction fee
  • No intro APR period for purchases
  • You don’t earn 2% back immediately

What we like about the Citi® Double Cash Card

  • Great flat-rate rewards

    This card is the leader when it comes to flat-rate cashback cards. You’ll earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. The cash back you earn from paying your bill is a great incentive to pay your statement in full as soon as possible so you can enjoy your cash back quicker. And there are no rotating bonus categories or caps on how much you can earn, so this card is straightforward and simple to use. Cash back can be redeemed as a statement credit, by direct deposit, as a check, or converted to Citi ThankYou points.

  • Long intro APR period for balance transfers

    The Citi® Double Cash Card offers an intro APR of 0% for 18 months on balance transfers. After, a 13.99% – 23.99% (variable) APR applies.

  • $0 annual fee

    With a $0 annual fee, all the cash back you earn with this card is a net gain (as long as you don’t incur interest charges or other fees).

  • Citi Entertainment access

    With this card you can get exclusive access to entertainment events including concerts, sporting events, dining events and more.

What to look out for with the Citi® Double Cash Card

  • 3% foreign transaction fee

    Because the Citi® Double Cash Card charges a 3% foreign transaction fee, you’ll want to leave it at home when traveling outside the United States. Opt for a card with no foreign transaction fee instead.

  • No intro APR period for purchases

    This card lacks an intro APR for purchases, which most balance transfer cards offer. Therefore, if you plan on financing a big purchase, the Citi® Double Cash Card isn’t a good choice.

  • You don't earn 2% back immediately

    With this card, you’ll earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Note that you don’t get the second half of your cash back until you pay what you’ve charged to the card. Meanwhile, competing flat-rate cards such as the Fidelity® Rewards Visa Signature® Card and the PayPal Cashback Mastercard® earn full cash back upon purchase.

How to do a balance transfer with the Citi® Double Cash Card

A balance transfer with the Citi® Double Cash Card cannot exceed your available credit limit. This includes the total amount of your balance transfer plus balance transfer fees. Note that this card charges a balance transfer fee of 3% of each balance transfer; $5 minimum.

For example, if your credit limit is $10,000, your transfer cannot exceed $9,709 because there would be a $291 balance transfer fee. Also note that you must complete your balance transfer within four months from account opening to enjoy the intro 0% APR period.

Here’s how to complete your balance transfer online:

  • From your account dashboard you should see a link stating you’re eligible for a balance transfer in the same box as your account summary. Select “View Offer” to see your balance transfer offer.
  • Once you “Select Offer,” proceed to enter your transfer information and verify and submit your transfer. The balance transfer can take at least 14 days to process, so continue to make payments on your other account until the transfer is complete.
  • Your pending transfer will be listed in the “Your Balance Transfer Requests” section, along with the current status of your request. Once Citi has approved and fully processed your balance transfer request, the information will move to the “Your Balance Transfer” section where you will see the amount you transferred and when the promotional rate will expire.

Alternate balance transfer card

Compare it to the Chase Slate®

The Citi® Double Cash Card offers a lengthy intro period of 0% for 18 months on balance transfers, after which a 13.99% – 23.99% (variable) APR applies. And its balance transfer fee is reasonable: 3% of each balance transfer; $5 minimum.

However, some consumers may be willing to accept a shorter intro 0% APR period in exchange for paying no balance transfer fee. That’s when the Chase Slate® is worth considering.

The Chase Slate® offers 0% Intro APR on Balance Transfers for 15 months, after which a 16.49% - 25.24% variable APR applies. It also offers a balance transfer fee of $0 for the first 60 days that your Account is open, after that, either $5 or 5% of the amount of each transfer, whichever is greater.

If you need a longer intro APR period, the Citi® Double Cash Card is the better balance transfer card. But if you can pay off your transferred debt more quickly, the Chase Slate® offers an opportunity to pay money by not having to pay a balance transfer fee.

Compare the Citi® Double Cash Card to similar cards

Comparison of four different credit cards
Citi<sup>®</sup> Double Cash Card – 18 month BT offer Chase Slate<sup>®</sup> Fidelity<sup>®</sup> Rewards Visa Signature<sup>®</sup> Card PayPal Cashback Mastercard<sup>®</sup>
Citi® Double Cash Card – 18 month BT offer Chase Slate® Fidelity® Rewards Visa Signature® Card PayPal Cashback Mastercard®
Apply Now
on Citibank's secure site
Review Coming Soon Review Coming Soon Review Coming Soon
Annual Fee
$0 $0 $0 $0
Welcome Offer
No bonus No bonus Receive 10,000 bonus points — which equals $100 cash back, when deposited into an eligible Fidelity account — after making at least $1,000 in eligible purchases within the first 90 days of account opening. No bonus
Rewards Rate
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Non-rewards card Unlimited 2% cash back on everyday purchases Get 2% cash back every day, every purchase, every time you use your card.
Intro Purchase APR
N/A 0% Intro APR on Purchases for 15 months N/A N/A
Regular APR
13.99% – 23.99% (Variable) 16.49% - 25.24% Variable 13.99% variable 19.99%, 23.99% or 26.99% variable
Intro Balance Transfer Rate
0% for 18 months on Balance Transfers 0% Intro APR on Balance Transfers for 15 months N/A N/A
Regular Balance Transfer Rate
13.99% – 23.99% (Variable) 16.49% - 25.24% Variable 16.24% Variable N/A
Balance Transfer Fee
3% of each balance transfer; $5 minimum. $0 for the first 60 days that your Account is open, after that, either $5 or 5% of the amount of each transfer, whichever is greater. $5 or 3% of the transfer amount, whichever is greater N/A
Recommended Credit
Excellent/Good Excellent/Good Excellent excellent/good
Card Details
Citi® Double Cash Card Additional card details unavailable Additional card details unavailable Additional card details unavailable

Is the Citi® Double Cash Card right for you?

If you want to earn cash back on new purchases without rotating categories, the Citi® Double Cash Card has one of the best flat-rate cashback programs on the market. Additionally, this card is a good option if you have credit card debt and need a while to pay it off interest-free by means of a balance transfer.

While we don’t recommend making new charges once you’ve done a balance transfer, after you pay off any transferred debt the cashback program makes the Citi® Double Cash Card worth keeping in your wallet.

The information related to the Chase Slate® has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.

Apply Now
on Citibank's secure site