Earn cash back TWICE. 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 15.99% – 25.99% based on your creditworthiness.
Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
Balance Transfers do not earn cash back
The standard variable APR for Citi Flex Plan is 15.99% – 25.99% based on your creditworthiness.*
Rates, fees & offers
0% on Balance Transfers for 18 months
APR: 15.99% - 25.99% Variable APR
Penalty APR: Up to 29.99%, Variable
Cash Advance APR: 27.24%, Variable
Balance transfer fee
3% of each balance transfer; $5 minimum.
Foreign transaction fee
Recommended credit score
Not sure which card is best for you?
Editor's overall rating
Pros and cons
High rewards rate
No annual fee
Intro APR period on Balance Transfers
No sign-up bonus
No 0% APR for purchases
$25 minimum redemption
Getting a cash-back credit card with a high, ongoing rewards rate is a smart move if rotating 5% bonus categories aren't your thing, and the Citi® Double Cash Card – 18 month BT offer might be just the ticket. With this card, you'll earn 1% cash back when you make your purchases, then an additional 1% cash back when you pay them off. There's no limit to the rewards you can earn.
The Citi® Double Cash Card – 18 month BT offer also has an introductory 0% APR deal. You'll pay 0% on Balance Transfers for 18 months, and then the ongoing APR of 15.99% - 25.99% Variable APR. And don't forget, all of these benefits come at an annual fee of $0, so this card is a thrifty choice. For more information about it, check out our full review here.
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