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Citi® Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer

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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 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

Nav's Verdict

Cost

HighLow

Effort to Apply

DifficultEasy

Card Perks

PoorGood

Features

PoorGood

8/10

Bottom Line

For those who want to pay off debt faster and want cash back for all their purchases, this card is a great option.

Pros

Long intro APR period for balance transfers. Generous rewards with no reward caps or category restrictions.

Cons

Lower cash back on initial spending than other offers. No cash back on balance transfers.

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Intro APR

N/A

Purchase APR

14.74% - 24.74% (Variable)

Annual Fee

$0

Foreign Transaction Fee

3%

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Reviews are not provided or commissioned by the credit card, financing and service companies that appear in this site. Reviews have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.