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 14.74% – 24.74%, 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 14.74% - 24.74%, 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: 14.74%-24.74% Variable APR
Cash Advance APR: 25.99%, 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
| Learn more | ||
Annual fee$0 | Annual fee$99 | Annual fee$95 |
Regular APR14.74%-24.74% Variable APR | Regular APR16.74%-23.74% Variable APR | |
Intro APR0% intro APR on Balance Transfers for 18 months | Intro APR0% intro APR for 15 months on balance transfers made within 45 days of account opening. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Rating details
4.6
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 14.74%-24.74% 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.
