Skip to main content

Take a Break From High Interest: This Card Offers 0% Intro APR Until 2028

The Citi Double Cash® Card offers a rare combination of excellent cash back benefits and 18 months of low interest

Updated on September 18, 2026

on Citibank's secure site

Bottom Line:

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.
  • Intro APR of 0% for 18 months on Balance Transfers, 18.24% - 28.49% (Variable) APR thereafter. Apply online today and enjoy zero interest on balance transfers until 2028. This period begins from the date of your first transfer.
  • Earn unlimited 2% cash back on every purchase. One of the highest flat-rate cash offers we’ve seen with no strings attached.
  • No annual fee. The card is designed to help you save money. You’ll automatically avoid any annual or upfront fees.

Why We Rate This a Top Card for 2026

When it comes to cash back cards, this card from our partner Citibank is truly one of a kind – it's 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 rotating categories and no special bonuses on certain spending—you simply earn the same flat rate of 2% no matter what you are purchasing.

The Citi Double Cash® Card offer also comes with a game-changing Intro APR of 0% for 18 months on Balance Transfers, 18.24% - 28.49% (Variable) thereafter, making this an excellent choice for anyone looking to escape from high interest rates on their current credit card.

What we're seeing is the Citi Double Cash® Card drives interest from people who…

… Love earning cash back on everyday purchases, up to 2% back

… Want to earn a $200 sign up bonus

… Need a time window to pay off their balance before they start paying interest. If you were to apply online for the card today, you’d have until 2028 before you start getting hit with interest charges. It's like taking an 18-month vacation from paying interest!

More than just a Cash Back card

2% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, is reason enough to say yes to this card. On top of that, Citi offers a few more perks that make this our must-have among cash back cards:

0% Intro APR on Balance Transfers: This card also offers 0% for 18 months on Balance Transfers, 18.24% - 28.49% (Variable) thereafter.

Hefty sign up bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

No annual fee: The card is designed to help you save money. You'll automatically avoid any annual or upfront fees.

Can you do any better with a cash back + low interest card?

In short, we don’t think so. On top of 0% for 18 months on Balance Transfers (18.24% - 28.49% (Variable) thereafter), plus incredible cash back rewards, you get to take advantage of this offer while paying no annual fee.

This rare combo makes the Citi Double Cash® Card a unique offer that is too good to pass up. We suggest not wasting any time waiting to apply for the premier cash back and low interest card on the market. Then, take your time to pay down your balance with no additional interest for up to 18 months. Click 'Apply Now' to see if you're approved.

Recommended Credit Score

This card is designed for consumers with good to excellent credit, so we suggest having a FICO® Score of 670 or higher to increase your likelihood of being approved. However, some people might qualify with lower scores, and approval is not guaranteed even with a high credit score.

Who Should Get This Card

  • The Citi Double Cash® Card is a great fit for those who want to earn premium cash back rates on new purchases and also want plenty of time to pay down their balance.
  • Consumers who never want to pay an annual fee, but don't want to compromise by missing out on one of the best cash back and low interest cards available.

on Citibank's secure site

Interested and want to find out if you're approved?

Take a Break From High Interest: This Card Offers 0% Intro APR Until 2028

The offers a rare combination of excellent cash back benefits and 18 months of low interest

Updated on September 18, 2026
5.0
CompareCredit Score

on Citibank's secure site

Bottom Line:

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.
  • Intro APR of 0% for 18 months on Balance Transfers, 18.24% - 28.49% (Variable) APR thereafter. Apply online today and enjoy zero interest on balance transfers until 2028. This period begins from the date of your first transfer.
  • Earn unlimited 2% cash back on every purchase. One of the highest flat-rate cash offers we’ve seen with no strings attached.
  • No annual fee. The card is designed to help you save money. You’ll automatically avoid any annual or upfront fees.

on Citibank's secure site

Interested and want to find out if you're approved?

Why We Rate This a Top Card for 2026

When it comes to cash back cards, this card from our partner Citibank is truly one of a kind – it's 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 rotating categories and no special bonuses on certain spending—you simply earn the same flat rate of 2% no matter what you are purchasing.

The Citi Double Cash® Card offer also comes with a game-changing Intro APR of 0% for 18 months on Balance Transfers, 18.24% - 28.49% (Variable) thereafter, making this an excellent choice for anyone looking to escape from high interest rates on their current credit card.

What we're seeing is the Citi Double Cash® Card drives interest from people who…

… Love earning cash back on everyday purchases, up to 2% back

… Want to earn a $200 sign up bonus

… Need a time window to pay off their balance before they start paying interest. If you were to apply online for the card today, you’d have until 2028 before you start getting hit with interest charges. It's like taking an 18-month vacation from paying interest!

More than just a Cash Back card

2% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, is reason enough to say yes to this card. On top of that, Citi offers a few more perks that make this our must-have among cash back cards:

0% Intro APR on Balance Transfers: This card also offers 0% for 18 months on Balance Transfers, 18.24% - 28.49% (Variable) thereafter.

Hefty sign up bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

No annual fee: The card is designed to help you save money. You'll automatically avoid any annual or upfront fees.

Can you do any better with a cash back + low interest card?

In short, we don’t think so. On top of 0% for 18 months on Balance Transfers (18.24% - 28.49% (Variable) thereafter), plus incredible cash back rewards, you get to take advantage of this offer while paying no annual fee.

This rare combo makes the Citi Double Cash® Card a unique offer that is too good to pass up. We suggest not wasting any time waiting to apply for the premier cash back and low interest card on the market. Then, take your time to pay down your balance with no additional interest for up to 18 months. See if you are approved simply by clicking here.

Recommended Credit Score

This card is designed for consumers with good to excellent credit, so we suggest having a FICO® Score of 670 or higher to increase your likelihood of being approved. However, some people might qualify with lower scores, and approval is not guaranteed even with a high credit score.

Who Should Get This Card

  • The Citi Double Cash® Card is a great fit for those who want to earn premium cash back rates on new purchases and also want plenty of time to pay down their balance.
  • Consumers who never want to pay an annual fee, but don't want to compromise by missing out on one of the best cash back and low interest cards available.

on Citibank's secure site