Citi® Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer

on Citibank's application

Citi® Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer

on Citibank's application

Card details

  • 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 APR

13.99% - 23.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Regular APR

14.99% - 23.74% Variable APR

Intro APR

0% on Balance Transfers for 18 months

Intro APR

0% intro APR on Purchases for 12 months

Intro APR

0% on Purchases for 15 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

Not sure which card is best for you?

Take a simple quiz to find out

NerdWallet review

By Lindsay Konsko

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

NerdWallet adheres to strict standards of editorial integrity to help you make decisions with confidence. Some of the products we feature are from partners. Here’s how we make money.

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.