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Citi® Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer


Rated 5/5 stars by our editorial team

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Your Rating:

4.4/5.0 from 971 Offer Ratings
Over the Past 60 Days!

(971) Over the Past 60 Days!

  • Regular Purchase APR 14.74% - 24.74%* (Variable)
  • Intro Purchase APR N/A
  • Intro BT APR 0%* for 18 months on Balance Transfers*
  • Annual Fee $0*
  • Credit Needed

    Excellent, Good

  • Card Brand Mastercard®

Card Details


  • Click "APPLY NOW" to apply online or call 888-343-4081 TTY: Use Relay Service
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.74% - 24.74% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*

Card Fees

Foreign Transaction Fee 3%

Balance Transfer Fee 3% of each balance transfer; $5 minimum.

Cash Advance Fee 5% of each cash advance; $10 minimum

Penalty APR Up to 29.99% (Variable)

Ongoing Information

Rewards Rate 1% cash back when you buy and 1% cash back as you pay for those purchases

Annual Fee $0*

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance Yes

Extended Warranty Program Yes

Roadside Assistance No

Purchase Protection Yes

Travel Assistance Yes

Flight Accident Insurance Yes

Lost Luggage Reimbursement No

Concierge Service Yes

Expert Reviews

From the Editorial Team

The Citi Double Cash Credit Card, from our partner Citi, is the perfect card for earning cash back on all purchases without having to follow category restrictions throughout the year. What makes this card so unique is the ability for consumers to earn additional cash back just for making on-time payments. Citibank does advertise its products on our website.

With this card, you’re basically earning double cash back for doing what you already do on a monthly basis; making purchases and paying your bill. What’s more, you don’t need to enroll in any program, there’s no cap on the cash back you can earn and your cash back won’t expire.

Cardmembers will also enjoy an intro APR of 0%* for 18 months on Balance Transfers*. The on-going interest rate is 14.74% - 24.74%* (Variable) and you pay no annual fee. 

Expert Reviews of the Citi® Double Cash Card – 18 month BT offer

  • 4.0

    Regular APR

  • 5.0

    Intro APR

  • 4.0


  • 5.0


  • star rating 5.0/5

    Overall Rating

The Bottom Line

The Citi Double Cash card is great for those wanting to earn cash back on all purchases without having to worry about rotating categories and for those who carry a balance.

The Good

To start, you earn cash back twice on every purchase; 1% when you make a purchase and 1% when you pay your balance. This card is also great for those wanting to pay no interest on balance transfers for 18 months.

The Not so Good

You will need excellent credit to get approved for the Citi Double Cash card.

Editorial Note: This content is not provided by Citibank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Citibank.

Consumer Reviews

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Offer Rating


971 Total Ratings

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Your Rating

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don’t disclose personal information like your credit card numbers or account information.

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.

+922 users submitted a rating without a full review

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19 Found this review helpful

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By: | Jan 9, 2018

Just a simple credit card - No gimmicks - No need to shop at designated stores to get add'l points every quarter. Just a great card that earns basically 2% - 1% on all purchases and an additional 1% if paid by the end of month (which I have always done to avoid interest charges). In no time you get a rewards check! Love it!

9 Found this review helpful

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By: | Dec 30, 2017

Love this card. I use money earned at end of year for Christmas. Pay your total bill every month on time and this card will earn you easy money for cash or great rewards.

15 Found this review helpful

By: | Dec 22, 2017

Great card to use for daily purchases as long as you're paying the balance off every month.

29 Found this review helpful

By: | Dec 8, 2017

Few years ago purchase iPhone from store in Brooklyn - 1101 Kings Hwy, Brooklyn, NY using this card. Guess what ... in few days a few dollars (trial) purchase was made in Key Food, following $1200 purchase of woman fashion bag in Brooklyn's boutique. I got alert from card services and charge was denied just in time. Not bad

27 Found this review helpful

By: | Dec 5, 2017

i have had citi bank for years, so many crooks out there but they always check and get me new card over night, you wont go wrong with citi bank!

48 Found this review helpful

By: | Nov 30, 2017

2% cash back and 0% balance transfers is spectacular. I would be careful about using both though and here's why. It is possible that, because your purchases are not 0% that if you transfer, say, $5000 and then charge $100 in purchases, you may have to pay off the $5000 before they take the $100 off. This has happened to me with a different card. I don't know for sure, just something to be careful about. But, yeah, it's a really great card. I have about a 740. I got a $5800 limit. My wife has an 800 score and got a card with the same limit.

71 Found this review helpful

By: | Sep 20, 2017

This card does everything promised by CitiBank. The beauty is that you do not have to determine whether a purchase qualifies. Everything does. Although you may only start out with a $2,000.00 limit, you can reapply for this credit line to be increased. Mine was increased from $2,000.00 to $5,000.00 after only using for four months. This card offers the best value of any in this category.

43 Found this review helpful

By: | Aug 22, 2017

The best cash back card I've ever had.

55 Found this review helpful

By: | Jul 27, 2017

Love the card

66 Found this review helpful

By: | May 6, 2017

I love my double cash credit card

91 Found this review helpful

By: | Apr 25, 2017

Excellent card; worth having just for the 2% cashback on all purchases. Cash rewards are simple to access and requests are quickly processed. Other benefits include buyer protection and rental car insurance. I use this card everywhere except at Costco (they only accept Visa).

145 Found this review helpful

By: | Apr 15, 2017

We switched to this card a couple of years ago, we had a airline mileage card until it became increasingly difficult to book flights that qualified. This card fits much better, we can use the cash back for anything we want. In addition to the cash back benefit we have been very pleased with the efficient monitoring of account activity. We are contacted any time there is a question, often there is no problem, sometimes the account has been frozen if we don't confirm the activity and on two occasions they have identified fraudulent charges and cancelled the cards.

141 Found this review helpful

By: | Mar 19, 2017

My favorite, this deal won't last. Move quick before it's gone.

237 Found this review helpful

By: | Mar 4, 2017

This CitiBank Mastercard is almost too good to be true. Imagine a bank that wants to loan you money, charges no interest if the full amount is paid on time, and then rewards you for borrowing its money with a 2% discount.

224 Found this review helpful

By: | Jan 24, 2017

no brainer 1% on spend and 1% after payment. Best card period NO special vendors every 3 months NO opt in etc etc life tooo complex as it is thus straight 2 % way to go esp. for peeps whom pay off balance evry month


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