Citi® Double Cash Card – 18 month BT offer
on Citibank's application
Citi® Double Cash Card – 18 month BT offer
Card details
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 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.
Rates, fees & offers
Annual fee
$0
Rewards rate
1%-2%
Bonus offer
None
Intro APR
0% on Balance Transfers for 18 months
Ongoing APR
APR: 13.99% - 23.99% Variable APR
Penalty APR: Up to 29.99%, Variable
Cash Advance APR: 25.24%, Variable
Balance transfer fee
3% of each balance transfer; $5 minimum.
Foreign transaction fee
3%
Recommended credit score
Compare to other cards
Annual Fee$0 | Annual Fee$95 | Annual Fee$0 |
Regular APR13.99% - 23.99% Variable APR | ||
Intro APR0% on Balance Transfers for 18 months | Intro APR0% intro APR on Purchases for 12 months | Intro APR10.99% intro APR on Balance Transfers for 6 months |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
Wondering if this card is the best match for you?
Wondering if this card is the best match for you?
Wondering if this card is the best match for you?
Just tell us some details and see which card matches your needs most.
Just tell us some details and see which card matches your needs most.
NerdWallet review
Rating details
5
Editor's overall rating
Pros and cons
Pros
High rewards rate
No annual fee
Intro APR period on Balance Transfers
Cons
No sign-up bonus
No 0% APR for purchases
$25 minimum redemption
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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 13.99% - 23.99% 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.
