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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 1,129 Offer Ratings
Over the Past 60 Days!

(1,129) Over the Past 60 Days!

  • Regular Purchase APR 14.24% - 24.24%* (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 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 14.24% - 24.24% 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 29.99%

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*

Purchase 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 14.24% - 24.24%* (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 may not have been reviewed, approved or otherwise endorsed by Citibank.

Consumer Reviews

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Offer Rating

4.4/5.0

1,129 Total Ratings

5 Star
 
 
(701)
4 Star
 
 
(258)
3 Star
 
 
(111)
2 Star
 
 
(34)
1 Star
 
 
(25)

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.

+1090 users submitted a rating without a full review

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1 Found this review helpful

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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).

35 Found this review helpful

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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.

73 Found this review helpful

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By: | Mar 19, 2017

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

129 Found this review helpful

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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.

136 Found this review helpful

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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

116 Found this review helpful

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By: | Jan 13, 2017

love this card, the best !!!

122 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

121 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.

132 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.

126 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

149 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.

134 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!

134 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.

132 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!

137 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.

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