Citi® Double Cash Card – 18 month BT offer
on Citibank's application
Citi® Double Cash Card – 18 month BT offer
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
Annual Fee$0 | Annual Fee$95 | Annual Fee$0 intro for the first year, then $95 |
Regular APR13.99%-23.99% Variable APR | Regular APR15.99% - 22.99% Variable APR | |
Intro APR0% intro APR on Balance Transfers for 18 months | Intro APRN/A | Intro APR0% intro APR on Purchases for 12 months |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
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.
