- Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
- 0% for 18 months on Balance Transfers
- No annual fee and $0 liability on unauthorized charges
- $0
- Excellent
Pros & Cons
Pros
- One of the best flat-rate cash back offers available
- Extra-long intro APR on balance transfers
- No annual fee and $0 liability on unauthorized charges
Cons
- No intro APR on purchases
- Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum.
Highlights
- Click "APPLY NOW" to apply online
- 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.
- Click "APPLY NOW" to apply online
- 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.
Our Expert Review
Why We Like It
Offer Rating
5/ 5
By Our Editorial Team
EditorWhen it comes to no annual fee cash back cards, the Citi® Double Cash Card – 18 month BT offer is truly one of a kind. That's because this is the only card that allows you to earn cash back twice. Cardholders earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. There are no limits to how much cash back you can earn and your cash back won't expire.
The Citi® Double Cash Card – 18 month BT offer is the perfect option for any consumers who don't want to have to put any extra thought into their credit card rewards. There's no rotating categories and no special bonuses on certain spending. You simply earn the same flat-rate of 2% no matter what you are purchasing.
This card even comes with a top-tier intro APR on balance transfers: 0% for 18 months on Balance Transfers. If you're paying a high interest rate on your current credit card, that intro period can help you escape those pesky interest charges. After the intro period is up, the ongoing APR is 13.99% – 23.99% (Variable). With the generous cash back rewards and the lengthy intro APR on balance transfers, the Citi® Double Cash Card – 18 month BT offer is a great choice for almost any consumer.
Community Discussion
Disclosure: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
