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Citi® Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer

 

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Your Rating:

4.4/5.0 from 1,037 Offer Ratings
Over the Past 60 Days!

(1,037) Over the Past 60 Days!

  • Regular Purchase APR 13.49% - 23.49%* (Variable)
  • Intro Purchase APR N/A
  • Intro BT APR 0% APR for 18 Months
  • Annual Fees $0*
  • Credit Needed

    Excellent/Good

  • Card Brand Mastercard

Card Details

Highlights

  • Click "APPLY NOW" to apply online
  • 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 13.49% - 23.49% 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

Late Payment Fees None for the first late payment; up to $35 after that

Foreign Transaction Fee 3% of each purchase transaction in U.S. dollars

Balance Transfer Fee Either $5 or 3%, whichever is greater

Cash Advance Fee $10 or 5%, whichever is greater

Returned Payment Fee Up to $35

Penalty APR Up to 29.99%, based on your credit­worthiness

Minimum Interest Charge $0.50

Ongoing Information

Rewards Cap No Cap

Rewards Rate 1% cash back when you buy + 1% cash back when you pay

Annual Fee $0*

Grace Period 23 Days

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 CompareCards.com 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 0% APR for the first 18 months on balance transfers. The on-going interest rate is 13.49% - 23.49%* (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

    Fees

  • 5.0

    Benefits

  • 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 have not been reviewed, approved or otherwise endorsed by Citibank.

Consumer Reviews

  • star rating mask

Offer Rating

4.4/5.0

1,037 Total Ratings

5 Star
 
 
(654)
4 Star
 
 
(231)
3 Star
 
 
(99)
2 Star
 
 
(30)
1 Star
 
 
(23)

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.

+1003 users submitted a rating without a full review

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By: | Jan 13, 2017

love this card, the best !!!

1 Found this review helpful

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By: | Jan 4, 2017

I have a bunch of credit cards, and this one is by far my favorite. Legitimate 2% cash back. Love it

3 Found this review helpful

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By: | Jan 1, 2017

Credit card companies have become increasingly competitive in wanting our business in the last five years. This card hands down is the best deal out there. The next best deal is 1.5%. And no category games is awesome too. Chase Sapphire has a better website but otherwise this is the best deal on a credit card.

11 Found this review helpful

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By: | Nov 25, 2016

This is a great card. No fuss no mess, 1% when you buy and I% when you pay for the purchase. I have never had to ask for any concessions for late payment or anything like that. But I have found them to be very helpful and patient when I need additional information. I have nothing but good things to say about this card.

11 Found this review helpful

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By: | Nov 19, 2016

Just great, you get 1 % cash back when you buy and also when pay and 18 months to pay transfer balance with no interes

31 Found this review helpful

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By: | Oct 31, 2016

I love the 2% cash back, it builds up fast. The money can be transfer directly to your bank account, pay your credit card bill and other ways. The best card I ever had. I use it for everything and get cash back on everything.

23 Found this review helpful

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By: | Oct 29, 2016

Quick application and approval process. Great balance transfer and cash back offer. Simple way to pay online with a separate number. Need good to excellent credit to be approved. But it's a great card to have!

20 Found this review helpful

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By: | Oct 18, 2016

No hassle assistance with fraudulent charges. Great cash back rewards and very easy to claim. I like the direct deposit of rewards to my checking accounts. This is the best credit card I ever had.

20 Found this review helpful

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By: | Oct 2, 2016

I just love this card, I had it for more than a year and I'm very happy with the double points I earned on my purchases which I redeemed them as cash towards my credit card, I'm very pleased I got this card, definitely the best credit card I ever had!

22 Found this review helpful

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By: | Sep 12, 2016

Best credit card I have ever carried. Save the 2 percent for 18 months and then us the $$$ to buy a lost weekend somewhere. Everyone should carry it.

16 Found this review helpful

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By: | Jul 17, 2016

Amazing card, very transparent, got it recently so looking for my 1st limit increase, i love this card.

30 Found this review helpful

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By: | Jul 4, 2016

I love this card, My interest rate is lower as 7.99% since i switched the card from other Citi card. I can't find any good card lower than this interest rate and benefit.

31 Found this review helpful

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By: | May 28, 2016

love your new card you have a big winner for everyone that is lucky enough to have one issued to them. i have other cards but yours is the one i will use more often.

58 Found this review helpful

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By: | Apr 29, 2016

EXCELLENT CARD EASY TO USE AND PAYS MORE THAN ANY OTHER "SIMPLE TO USE" CARD OUT RIGHT NOW I PAY A LARGE PART OF MY BALANCE BUT EVEN WHEN I DON'T PAY THE WHOLE BALANCE OFF I'VE YET TO HAVE PAY AN INTEREST FEE AND I'VE HAD MY CARD FOR 8 MONTHS . MY ONLY PROBLEM IS THE THE NEW CHIP FORMAT , NO SIGNATURE REQUIRED WHAT MAKES IT EASIER FOR US SOMETIMES MAKES IT EASIER FOR CRIMINALS

50 Found this review helpful

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By: | Apr 27, 2016

Yes, the 2% back is great and you can use to buy anything form whoever accepts the card. But what most people don't know or understand is the incredible other benefits the card offers/provides which are equally incredible. Far and away THE BEST CARD WE'VE EVER HAD!!! And of course it's in my wallet and my wife's purse !

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