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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:

4.2/5.0 from 193 Offer Ratings
Over the Past 60 Days!

(193) Over the Past 60 Days!

  • Regular Purchase APR 15.49% - 25.49% (Variable)
  • Intro Purchase APR N/A
  • Intro BT APR 0% for 18 months on Balance Transfers
  • Annual Fee $0
  • Credit Needed


  • Card Brand Mastercard®

Card Details


  • Click "APPLY NOW" to apply online or call 888-343-4081 TTY: Use Relay Service
  • Earn cash back twice. 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 Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
  • Click "Apply Now" to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.49% – 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

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 Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay.

Annual Fee $0

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance No

Extended Warranty Program No

Roadside Assistance No

Purchase Protection No

Travel Assistance No

Flight Accident Insurance No

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 and there’s no cap on the cash back you can earn.

Cardmembers will also enjoy an intro APR of 0% for 18 months on Balance Transfers. The on-going interest rate is 15.49% - 25.49% (Variable) based on your creditworthiness 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, Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay.. 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

  • star rating mask

Offer Rating


193 Total Ratings

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1 Star

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.

+137 users submitted a rating without a full review

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65 Found this review helpful

By: | Aug 15, 2018

Cash back on every purchase, category does not matter, additional cash back when I pay off the balance each month. That is the way I currently do my visa card. I use my credit card for all gasoline purchases and may start using it for groceries which amount to $350.00 - $500.00 per month. My other purchases vary month to month depending on my wants and needs.

37 Found this review helpful

By: | Aug 4, 2018

Great card.thanks Citi for help me increase my credit.

100 Found this review helpful

By: | Jul 3, 2018

I love my citi Double cash card. I was being hacked and citi caught the person they sent me an alert letting me know what was happening locked and closed the card right away and one day later my new citi card was presented to me by FedEx I was so delighted to know I was in wonderful hands thanks citi I Appreciate your service

67 Found this review helpful

By: | Jun 28, 2018

Best card ever! 2% back on all purchases and $1000 a year in price rewinds , rec money back on items I purchased at lowes Walmart , already capped this year

47 Found this review helpful

By: | Mar 27, 2018

Best card out there. 2% on everything. That simple.

28 Found this review helpful

By: | Mar 14, 2018

5 star all the way !

30 Found this review helpful

By: | Feb 17, 2018

great card. great cash back

152 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!

96 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.

87 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.

125 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

110 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!

156 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.

156 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.

78 Found this review helpful

By: | Aug 22, 2017

The best cash back card I've ever had.


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