Compare it to the Citi® Double Cash Card – 18 month BT offer
If you like the thought of earning 2% cash back on every purchase, but want more flexibility in how you redeem those rewards, the Citi® Double Cash Card is a solid option.
With the Citi® Double Cash Card , cardholders earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Rewards can be redeemed for a check, a statement credit to your card account, a direct deposit to an eligible savings or checking account or converted to ThankYou® points.
But where the Citi® Double Cash Card stands out the most is its balance transfer offer. Cardholders receive an introductory APR of 0% for 18 months on balance transfers – essentially giving you a year and a half to pay off the transfer before incurring interest. Once the promotional period ends, the regular APR of 16.24% - 26.24% (variable) applies.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening. Additionally, the introductory APR is only valid on balances transferred within the first four months of account opening.
Similar to the PayPal Cashback Mastercard®, the Citi® Double Cash Card doesn’t have restricting bonus categories to keep track of or activate. There are also no caps on the amount of cash back you can earn.
Additionally, the Citi® Double Cash Card has a $0 annual fee.