Skip to content

Citi® Double Cash Card – 18 month BT offer

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

This simple but excellent rewards card from Citi comes with a unique twist: It offers 2% cash back on all purchases, but you’ll get 1% when the purchase is made and 1% when it’s actually paid for. There’s also a long intro APR on balance transfers and some basic benefits.

Citi is a Credit Card Insider advertiser.

Our rating
Min. credit level: Excellent
Annual Fee: $0
Regular APR: 13.99% – 23.99% (Variable)
Intro Balance Transfer APR: 0% for 18 months on Balance Transfers

Citi® Double Cash Card – 18 month BT offer

Our rating
Excellent Min. credit level
$0 Annual Fee
Apply Now Read our Review

Highlights & Features

Rewards

  • 2% cash back for all purchases:
    • 1% when purchases are made
    • 1% when purchases are paid for

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR 0% for 18 months on Balance Transfers
Regular Balance Transfer APR 13.99% – 23.99% (Variable)
Balance Transfer Fee Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum
How to Transfer a Balance on a Credit Card

Fees

Penalty APR Up to 29.99% (Variable)
Late Fee Up to $40
Returned Payment Fee Up to $40
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 25.24% (Variable)
Cash Advance Fee 5% of each cash advance; $10 minimum
How to Get a Cash Advance with a Credit Card
Citi® Double Cash Card – 18 month BT offer

Highlights

  • 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 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.
ABOUT THE ISSUER

Citi

Citi has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-950-5114 or

Try a different phone number
See all Issuer Cards

The Citi® Double Cash Card is an interesting flat-rate cash back credit card with a unique offer.

It offers 2% cash back for all purchases: 1% cash back when a purchase is initially made, and then an additional 1% when that purchases is actually paid for.

Cash back can be redeemed as normal or converted to ThankYou points, where it could be worth more than usual. Every $1 in cash back will convert to 100 ThankYou points, and those points can be transferred to Citi’s airline partners, where they might be worth as much as 2 cents each or more. That would give you a 4% return on your spending!

With no annual fee and an introductory APR of 0% for 18 months on Balance Transfers, this is, by the numbers, one of the most rewarding general-purpose cash back credit cards available.

After that promotional rate runs out, you’ll get a regular balance transfer APR of 13.99% – 23.99% (Variable).