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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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4.4/5.0 from 1,421 Offer Ratings
Over the Past 60 Days!

(1,421 ) Over the Past 60 Days!

  • Regular Purchase APR 14.99% - 24.99%* (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®

Highlights

Card Fees

Expert Review 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

Who the Citi® Double Cash Card – 18 month BT offer is best for

The Citi® Double Cash Card – 18 month BT offer is a top-notch cash-back card that comes with a good balance transfer offer. If you’re struggling with credit card debt and looking for a way out, the Citi® Double Cash Card – 18 month BT offer provides a long intro period for you to pay off a balance transfer interest-free, while also allowing you to earn rewards on new purchases. You will earn 1% cash back when you buy and 1% cash back as you pay for those purchases, which makes this card a great option for people who want to use it for more than just a balance transfer.

This card is not designed for people looking to finance a large purchase, because there is no intro period for purchases. You’re better off with the Citi Simplicity® Card - No Late Fees Ever or Citi® Diamond Preferred® Card– 21 Month Balance Transfer Offer if you want that extended period without incurring interest charges. People who want to earn rewards points and redeem them directly for flights or other merchandise should also look to other rewards cards, because you can only get cash back for checks, statement credit or gift cards with this offering. Also, if you have bad or fair credit, you will not qualify for this card, as excellent, good is needed.

Where this card stands out in its category

The Citi® Double Cash Card – 18 month BT offer card is a leader among cash-back cards, as well as a good option for balance transfers. When it comes to the cash-back rewards, you earn at a consistently high rate on all purchases — 1% cash back when you buy and 1% cash back as you pay for those purchases. There are no rotating bonus categories or caps on how much you can earn, making this card straightforward and simple to use. The intro offer of 0%* for 18 months on balance transfers* provides a few more months than most balance transfer cards, allowing you a bit more time to pay off your balance and save money on interest.

Where this card falls short in its category

This card lacks an intro period for purchases, which most balance transfer cards offer. Therefore, if you plan on financing a purchase, this card isn’t a good choice. Additionally, there is a balance transfer fee of 3% of each balance transfer; $5 minimum.. That’s typical of balance transfer cards, but you can save money by finding a card without a transfer fee — though you may sacrifice rewards and a long intro period.

Additional card benefits

The Citi® Double Cash Card – 18 month BT offer has numerous benefits on top of a fantastic cash-back program and balance transfer offer:

  • Citi® Private Pass®: With this card you’ll get exclusive access to entertainment events including concerts, sporting events, dining events and more. Go to citiprivatepass.com for more information.
  • Citi Price Rewind: When you buy items with your Citi card and register the purchases for Price Rewind, Citi will search for a lower price at hundreds of online merchants. If a lower price is found within 60 days of the purchase date, you may receive the difference between the price you paid and the lower price. Head to Citi Price Rewind for more details.
  • 24-hour fraud protection: Citi will alert you if they encounter fraud on your card.
  • Citi® Identity Theft Solutions: This service allows you to get help from a Citi® Identity Theft specialist to deal with the fallout of identity theft or credit fraud, even if it happened on a card from a different company.
  • Choose your payment due date: You can choose from select dates in the beginning, middle or end of the month to make your payment. Not all dates are available, and you can only change your due date twice a year. 
  • $0 liability on unauthorized charges: You won’t be responsible for any unauthorized payments on your card.
  • 24/7 customer service: Call the number on the back of your card and just say, "Representative," and you can get help with your account, 24 hours a day.
  • Citi® Concierge: You can contact the concierge service by phone or email at any time for help with a variety of needs such as travel, shopping, dining and more.
  • Apple Pay®: You have the ability to add your card to Apple Pay® for hassle-free payments.

How to use it most effectively

To benefit the most from this card, be sure to complete your transfer within four months from account opening to take advantage of and maximize the benefit of the intro offer. After completing your transfer, make regular monthly payments with the goal of paying your balance in full before the end of the intro period. Citi won’t charge you a late fee the first time you miss a payment due date, which can give cardholders peace of mind, but it’s a good idea to avoid the risk of missing payments and set up autopay.

As far as the cash-back program goes, don’t spend more than you need to just to earn rewards. If you spend beyond your means and end up in debt, overdue balances are charged an APR of 14.99% - 24.99%* (Variable), which may outweigh cash-back rewards.

Rewards breakdown

This card is the leader when it comes to flat-rate cash-back cards. You will earn 1% cash back when you buy and 1% cash back as you pay for those purchases. The cash back you earn from paying your bill is a great incentive to pay your statement in full as soon as possible so you can enjoy your cash back quicker.

How to do a balance transfer with Citi

A balance transfer with the Citi® Double Cash Card – 18 month BT offer cannot exceed your available credit limit. This includes the total amount of your balance transfer plus balance transfer fees. For example, if your credit limit is $10,000, your transfer cannot exceed $9,708 because there would be a $291.24 balance transfer fee. You must complete your transfer within four months from account opening to enjoy the 0% intro period.

Here’s how to complete your balance transfer online: From your account dashboard you should see a link stating you’re eligible for a balance transfer in the same box as your account summary. Select “View Offer” to see your balance transfer offer. Once you “Select Offer,” proceed to enter your transfer information and verify and submit your transfer. The balance transfer can take at least 14 days to process, so continue to make payments on your other account until the transfer is complete. Your pending transfer will be listed in the “Your Balance Transfer Requests” section, along with the current status of your request. Once Citi has approved and fully processed your balance transfer request, the information will move to the “Your Balance Transfer” section where you will see the amount you transferred and when the promotional rate will expire.

Compare it with the Chase Slate® credit card

The Citi® Double Cash Card – 18 month BT offer edges out the Chase Slate® credit card in multiple ways. The two most significant benefits of the Citi® Double Cash Card – 18 month BT offer are the longer intro period and the cash-back rewards program. Citi® Double Cash Card – 18 month BT offer’s longer 0% intro period will provide you a few extra months to pay your balance without interest. The Citi® Double Cash Card – 18 month BT offer also has a rewards program and the Chase Slate® credit card does not. The rewards-earning potential makes the Citi® Double Cash Card – 18 month BT offer a better choice for people who want to earn cash back and plan on using this card after the balance transfer intro period.

Although the Citi® Double Cash Card – 18 month BT offer provides great benefits, the Chase Slate® credit card may be a better option for people who are more focused on completing a balance transfer and aren’t interested in earning rewards, since there is an Intro $0 on transfers made within 60 days of account opening. After that: Either $5 or 5%, whichever is greater.. This can save you hundreds of dollars, depending on the size of the balance you plan on transferring. See below for a breakdown of the key elements of both cards.

  Citi® Double Cash Card – 18 month BT offer Chase Slate®
Annual Fee $0* $0
Balance Transfer Terms 0%* for 18 months on Balance Transfers* 0% Intro APR on Balance Transfers for 15 months
Balance Transfer Fee 3% of each balance transfer; $5 minimum. Intro $0 on transfers made within 60 days of account opening. After that: Either $5 or 5%, whichever is greater.
Ongoing APR 14.99% - 24.99%* (Variable) 16.49% - 25.24% Variable
Transfer Period Four months from account opening 60 days from account opening
Rewards 1% cash back when you buy and 1% cash back as you pay for those purchases Non-rewards card

Bottom line

If you want to earn cash back on new purchases without rotating categories, the Citi® Double Cash Card – 18 month BT offer has one of the best flat-rate cash-back programs on the market. Additionally, this card is a good option if you have credit card debt and need a while to pay it off. This card also gives you the ability to transition from focusing on paying off debt to a rewards-earning strategy without having to open a new credit card.

Ongoing Information

Additional Card Details

Consumer Reviews

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Offer Rating

4.4/5.0

1,421 Total Ratings

5 Star
 
 
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Your Rating

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+1372 users submitted a rating without a full review

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55 Found this review helpful

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!

32 Found this review helpful

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.

34 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.

59 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

42 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!

83 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.

88 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.

50 Found this review helpful

By: | Aug 22, 2017

The best cash back card I've ever had.

58 Found this review helpful

By: | Jul 27, 2017

Love the card

70 Found this review helpful

By: | May 6, 2017

I love my double cash credit card

103 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).

160 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.

147 Found this review helpful

By: | Mar 19, 2017

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

254 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.

235 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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