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 15.74%– 25.74% 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 15.74%– 25.74% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Rates, fees & offers
Annual fee
$0
Rewards rate
2%
Bonus offer
None
Intro APR
0% on Balance Transfers for 18 months
Ongoing APR
APR: 15.74% - 25.74% Variable APR
Penalty APR: Up to 29.99%, Variable
Cash Advance APR: 26.99%, Variable
Balance transfer fee
3% of each balance transfer; $5 minimum.
Foreign transaction fee
3%
Recommended credit score
NerdWallet review
Rating details
4.3
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 15.74% - 25.74% 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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