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Citibank
Citi® Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer Review

By Thomas Donaldson

The Citi® Double Cash Card is one of the most rewarding cash back credit cards with no annual fee. If offers unlimited cash back and comes with one of the longest 0% Intro APR for balance transfers available.

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Citi^® Double Cash Card – 18 month BT offer

(3,695 reviews)

Current Offer

0% for 18 months on Balance Transfers, plus no annual fee

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Rewards Rate
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Intro Balance Transfer APR
0% for 18 months on Balance Transfers
Extra Perks
No annual fee and $0 liability on unauthorized charges
Annual Fee$0
Credit Score NeededExcellent
Card Brand

Product Details

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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 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.

Top Rated For

Our Expert Review

Editorial Disclosure

Why We Like It

Editorial Disclosure

Offer Rating

5/ 5

By Our Editorial Team

Key Benefit

With 2% cash back and a lengthy balance transfer intro rate, there is a lot to love with this card.

Editor

When it comes to no annual fee cash back cards, the Citi® Double Cash Card – 18 month BT offer, from our partner Citibank, is truly one of a kind. That's because this is the only card that allows you to earn cash back twice. Cardholders 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.

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.

Pros Explained

One of the best flat-rate cash back offers available: Most credit cards that offer a flat cash back rate on every purchase either offer 1.5% or 1.0%. With the Citi® Double Cash Card – 18 month BT offer offer you earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases..
Extra-long intro APR on balance transfers: Most credit cards that offer 0% Intro APR on balance transfers (which not many do) only offer it for a 6 to 12 months. with the Citi® Double Cash Card – 18 month BT offer offer you'll get 0% for 18 months on Balance Transfers.
No annual fee and $0 liability on unauthorized charges: The Citi® Double Cash Card – 18 month BT offer offer comes with no annual fee and offers you peace of mind knowing that you will not be liable for any unauthorized charges that may occur, if any do, while your account is active.

Cons Explained

No intro APR on purchases: Because Citi® Double Cash Card – 18 month BT offer is focused on balance transfers it doesn't provide any intro APR on purchases.
Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum: Balance transfer fees can go up to 5% on other cards. So while a 3% fee is a downside, it's not as bad as some other cards out there with shorter periods of 0% Intro APR on Balance Transfers and higher fees.