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

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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 Only 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. Intro APR does not apply to purchases.

  • 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 an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

  • 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% intro APR on Balance Transfers for 18 months

  • Ongoing APR

    APR: 13.99%-23.99% Variable APR

    Cash Advance APR: 25.24%, Variable

    Penalty APR: Up to 29.99%, Variable

  • Balance transfer fee

    Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).

  • Foreign transaction fee

    3%

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual Fee

$0

Annual Fee

$95

Annual Fee

$0 intro for the first year, then $95

Regular APR

13.99%-23.99% Variable APR

Regular APR

15.99% - 22.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Intro APR

0% intro APR on Balance Transfers for 18 months

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Lindsay Konsko

Rating details

5

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • High rewards rate

  • Intro balance transfer fee

Cons
  • Requires good/excellent credit

  • No bonus offer

  • No bonus categories

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% intro APR 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.