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Citi® Double Cash Card: Balance Transfers Expired

0% Intro APR
for 18 Months
+196 Deal Score
961,408 Views
Update: This credit card offer is available again.

Citi® is offering the Citi® Double Cash Card, which has an Intro APR Period of 18 months on Balance Transfers. Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay. The annual fee is $0.

Thanks to Slickdeals Staff Member Jess96 for posting this deal.

Card Details:

Slickdeals may be compensated by Citi.

Original Post

Written by
Edited August 11, 2022 at 08:03 AM by
Citi® is offering the Citi® Double Cash Card, which has an Intro APR Period of 18 months on Balance Transfers. Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay.

Card Features:


Slickdeals may be compensated by Citi.
Created 11-05-2019 at 11:31 AM by Jess96
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Deal
Score
+196
961,408 Views
0% Intro APR
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. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Always need to consider the transfer fee for balances transfers, and should be included in this post.

"There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater."
EDIT FROM MAY 2021-- THIS POST IS TWO YEARS OLD. THE CARD IT MENTIONS IS NO LONGER AVAILABLE TO BE OPENED.

PLEASE STOP REPLYING TO A TWO YEAR OLD POST WONDERING WHY YOU CAN NOT FIND THIS SPECIFIC CARD/DEAL ANYMORE.

(above added after like the 6th person in a year necroed this discussion to reply to this post- original post from 2019 below)

Chase Slate is only 15 months but 0% balance transfer fee.

The slate itself sucks as a card to actually use for anything other than the BT, but if you're mainly concerned about the BT, and the 3 extra months won't kill you, it saves you 3% of however much you're transferring over this... plus once you're done with the BT you can product change it into a genuinely useful card like a Freedom or something.
After years of being on airline miles cards I switched to this card. I am very happy with it. Airline miles are worth an average of 1.3 cents per dollar spent these days. This card is worth 2 cents per dollar to me as a shopper. It takes VERY little effort to redeem the 2% cash back. I enjoy the value and simplicity of this card. I find the citi web site and mobile app to be stronger than alternative bank sites and apps. I don't have the time or desire to manage multiple cards.

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Joined Dec 2019
L2: Beginner
> bubble2 69 Posts
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SearchingDeals2
01-08-2020 at 07:59 PM.
01-08-2020 at 07:59 PM.
DC is Best credit card for cash back and NO fees. The other 'benefits' are cheesy/gimmicky and mostly useless.
Reply
Joined May 2014
L4: Apprentice
> bubble2 424 Posts
34 Reputation
oSnapMillerTime
01-10-2020 at 08:59 AM.
01-10-2020 at 08:59 AM.
I use Citi Double Cash Back for large purchases mostly. I think its a good card from Citi. Avoid the travel cards from Citi though, IMO. If you shop through the citi portal, the flights / hotels are more expensive thus its pointless that the points are worth 1.25% more. Plus many hotels are not even listed in their portal.

I also have Discover, Chase Freedom, AMEX Blue and the Chase Sapphire Reserve. This covers everything. Im always getting at LEAST 2% back.
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Joined Jul 2006
L3: Novice
> bubble2 168 Posts
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dnutz211
01-10-2020 at 09:04 AM.
01-10-2020 at 09:04 AM.
Quote from Modxplus :
Needed a balance transfer option for an outstanding balance on a CC. Any better options out there? Seems like 18 months and 3% is pretty much as good as it gets.
Citi Simplicity.

21 Months 0% APR on transfers but gotta pay 5% fee for the transfer. You may not like the 5% fee but if you need the extra time you pay the extra fee. It all boils down to how much you want to transfer as well.
Reply
Last edited by dnutz211 January 10, 2020 at 09:11 AM.
Joined Jul 2006
L3: Novice
> bubble2 168 Posts
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dnutz211
01-10-2020 at 09:10 AM.
01-10-2020 at 09:10 AM.
Quote from yamafx4dude :
I use Citi Double Cash Back for large purchases mostly. I think its a good card from Citi. Avoid the travel cards from Citi though, IMO. If you shop through the citi portal, the flights / hotels are more expensive thus its pointless that the points are worth 1.25% more. Plus many hotels are not even listed in their portal.

I also have Discover, Chase Freedom, AMEX Blue and the Chase Sapphire Reserve. This covers everything. Im always getting at LEAST 2% back.
I have in my wallet at all times

Freedom - This quarter for gas and pay utilities (5% rewards)
Reserve - Dining and travel (EZ Pass, flights, Bus tickets, Lyft/Uber)
AMEX Blue Cash - Supermarket
Freedom Unlimited - Everything else

And for Amazon I have the Amazon chase card so I get 5% rewards. I don't carry that with me though cause there's no need to use it while I'm out and it saves to my account.

I also have the Bonvoy card which carries a 95 yearly fee but that's OK with me. They give me a yearly anniversary free nights stay that alone covers the yearly fee and then some. When I stay at hotels I use exclusively the bonvoy chain of hotels. Last year I used it a lot and in return I'm now gold status. Haven't used it yet with gold status but will see if I get treated any differently. At least now I have late check out and can earn more % points in returns.
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Joined Sep 2009
L10: Grand Master
> bubble2 15,333 Posts
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Knightshade
01-10-2020 at 09:37 AM.
01-10-2020 at 09:37 AM.
Quote from yamafx4dude :
I use Citi Double Cash Back for large purchases mostly.
This was a good plan until recently.

They no longer offer the 24 months extended warranty or return protection though so it's a pretty awful card for big ticket items you care about these things on.



Quote from yamafx4dude :
I think its a good card from Citi. Avoid the travel cards from Citi though, IMO. If you shop through the citi portal, the flights / hotels are more expensive thus its pointless that the points are worth 1.25% more. Plus many hotels are not even listed in their portal.
If you have the right cards it can still offer good value... for example stacking the 4th night free benefit from Citi Prestige, and the 10% point refund from the Rewards+ card, on top of the 1.25 cent portal value.

Agreed that it can limit your selection- and it's only useful if for bookings where the 4th night free will matter... but we always have at least 2 of those a year (which more than covers the net annual fee on the Prestige anyway)
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Joined Nov 2007
L6: Expert
> bubble2 1,098 Posts
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bovineplane
01-10-2020 at 09:39 AM.
01-10-2020 at 09:39 AM.
Quote from SearchingDeals2 :
DC is Best credit card for cash back and NO fees. The other 'benefits' are cheesy/gimmicky and mostly useless.
The USAA limitless 2.5% cashback on all purchases is the best no fee, no hassle cashback card if you can get one. Rumored to be dead for new customers but i have one that still works.
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Joined Sep 2009
L10: Grand Master
> bubble2 15,333 Posts
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Knightshade
01-10-2020 at 10:26 AM.
01-10-2020 at 10:26 AM.
Quote from rechtien :
The USAA limitless 2.5% cashback on all purchases is the best no fee, no hassle cashback card if you can get one. Rumored to be dead for new customers but i have one that still works.

Has been dead to new customers for over 2 years now....

https://www.doctorofcredit.com/us...louisiana/


and was only ever available in a fairly short list of specific states, and for a pretty short time.

Awesome if you were lucky enough to get one (and don't travel much- otherwise you're still better off with either a Freedom Unlimited or a Blue for Business Plus depending if you spend more time in the UR or MR ecosystem) but not much help to anybody who doesn't have one.
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Joined May 2014
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> bubble2 203 Posts
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ThatSDLife
01-12-2020 at 09:10 PM.
01-12-2020 at 09:10 PM.
Quote from kensteele :
i automatically reject any transfer balance offer that contains a fee. it would have to be something like 60 months to get me to pay more than 2%.

What kind of offers do you accept? 5 percent apr ones for 24 months?
Reply
Joined Dec 2004
L10: Grand Master
> bubble2 12,525 Posts
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kensteele
01-13-2020 at 09:04 AM.
01-13-2020 at 09:04 AM.
Quote from pinstripe07 :
What kind of offers do you accept? 5 percent apr ones for 24 months?
nope. at this point, it would have to be zero percent transfer fee, zero percent apr.
Reply
Joined Oct 2016
L6: Expert
> bubble2 1,457 Posts
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LaughinGass
01-13-2020 at 09:13 PM.
01-13-2020 at 09:13 PM.
Quote from rechtien :
The USAA limitless 2.5% cashback on all purchases is the best no fee, no hassle cashback card if you can get one. Rumored to be dead for new customers but i have one that still works.
Discover IT

5% bonus categories
No interest for ~15 months (can't speak to balance transfers)
Double all your cashback (including bonus) in the first year (this means you earn minimum 2%, and 10% on the bonus categories).

Zero interest means just pay the minimum monthly, and park the rest in an account earning 2-4%.
Reply
Joined Nov 2018
Hashtag 420 Blaze It!
> bubble2 134 Posts
44 Reputation
PetRiLJoe
01-17-2020 at 10:57 AM.
01-17-2020 at 10:57 AM.
Quote from zoshka5 :
I cancelled this card, after they took away all their travel and price protections last month. They also push their new banking service heavily, so you'll get pop-up ads constantly, and a never-ending stream of junk mail pushing their savings account and sending you 'convenience' checks. There's also a minimum redemption for cash back, $25.

I switched to a 1.5% BECU cash back credit card, so I get their decent interest for savings and checking, and the convenience of paying off the card from the same banking app or website, as well as usual credit card protection that Citi eliminated. No spam, no ads, no huge multinational bank that was heavily involved in the subprime mortgage meltdown and received billions in bailout money.
You're correct and I switched to my Quicksilver 1.5% Cash back card because I can redeem any reward amount not just minium $25 like Citi. Also this card doesn't have certain things that seen standard on two or three of my other credit cards like covering insurance on rental vehicle.
1
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Joined Jan 2006
L7: Teacher
> bubble2 2,131 Posts
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FREEALTA
01-17-2020 at 11:12 AM.
01-17-2020 at 11:12 AM.
This was my daily card until they removed all the extra card benefits. I've switched to my Fidelity rewards credit card. 2% cash back deposited to your fidelity account(I opened their free account just to get the cashback). It's a Visa Signature card so it has all the Visa Signature benefits like Purchase Protection, Extended Warranty, rental insurance(secondary), travel insurance, etc.
I kept the Citi Double card only for to generate Virtual Account numbers when I need them.
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Joined Nov 2018
SD since 2013
> bubble2 18 Posts
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MohMilli
01-19-2020 at 10:46 PM.
01-19-2020 at 10:46 PM.
anyone know of any card besides the slate that offers 0 fee on balance transfers and 0% apr?
Reply
Joined Feb 2011
L6: Expert
> bubble2 1,867 Posts
265 Reputation
Bombebomb
01-20-2020 at 04:13 AM.
01-20-2020 at 04:13 AM.
This is my go to card for the bulk of my purchasing when I don't have any better option. It's also great for the "lazy" shopper who can't be bothered to check categories.
Reply

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Joined Jul 2012
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> bubble2 71 Posts
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NoPlanB
01-20-2020 at 05:34 AM.
01-20-2020 at 05:34 AM.
Quote from pink123 :
This Citi card used to be my main driver but since they cut the benefits I moved to Alliant. Benefits are not that much better (but I believe still include car rental insurance and no foreign transaction fees). The cost is 95 per year but since I spend > 20k a year the extra 0.5 percent of cash back (2.5% total) offsets the annual cost

Alliant Credit Union out of Chicago? Which card? They offer3 different.
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