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Advertiser Disclosure
Citi® Double Cash Card: Balance Transfers Expired
0% Intro APR
for 18 Months
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.
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
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.
Card Features:
Slickdeals may be compensated by Citi.
Created 11-05-2019
at 11:31 AM
by Jess96
in
Credit Cards
(2)
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"There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater."
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.
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Prestige is probably a better choice if you're gonna do that, since you can stack 4th night free on hotel point redemption and you get other significant travel perks like priority pass with 2 free guests, a $100 GE credit, etc...
ALSO having a premier as well used to be great since it gave you 25% more value on such point redemption... but that benefit no longer applies to new cardholders (and goes away for old ones April 9th 2021).... they are replacing the 25% thing with a $100 hotel credit, but that DOES NOT stack with 4th night free and requires a $500 minimum stay so it kinda sucks.
The only improvement to the card is 3x supermarkets- but of course this no-fee doublecash essentially gets you 2x there anyway, so you'd need to spend about $10,000 a year specifically at supermarkets to make the premier worth keeping going forward.
All that said, Chase is still probably a better ecosystem overall for travelers than Citi... with the Unlimited, stacked with the CSRs 50% portal bonus, giving you essentially 2.25x back on "non category" spending- versus 2x on the Citi card... and the CSR, Freedom, and Ink Cash giving you 3x-5x plus 50% on lots of category spend.... that's on top of Chase having more/better transfer partners to get even better-than-portal value in many cases on your points.
ALSO having a premier as well used to be great since it gave you 25% more value on such point redemption... but that benefit no longer applies to new cardholders (and goes away for old ones April 9th 2021).... they are replacing the 25% thing with a $100 hotel credit, but that DOES NOT stack with 4th night free and requires a $500 minimum stay so it kinda sucks.
The only improvement to the card is 3x supermarkets- but of course this no-fee doublecash essentially gets you 2x there anyway, so you'd need to spend about $10,000 a year specifically at supermarkets to make the premier worth keeping going forward.
All that said, Chase is still probably a better ecosystem overall for travelers than Citi... with the Unlimited, stacked with the CSRs 50% portal bonus, giving you essentially 2.25x back on "non category" spending- versus 2x on the Citi card... and the CSR, Freedom, and Ink Cash giving you 3x-5x plus 50% on lots of category spend.... that's on top of Chase having more/better transfer partners to get even better-than-portal value in many cases on your points.
Problem is it's hard to rack up a TON of citi points because of the restrictions on signups.
Back when I got my prestige I got a 50k signup bonus which combined with the spend got me to... about 55k TYP.
Then you had to sit and wait 24 months to be eligible for another TYP bonus... so your only chance to earn more was normal spend....which wasn't great either since the prestige was my only TYP card because of the 24 month restriction....(and DC didn't offer TYP options till recently)... the after 2 years I got the preferred for another 50k TYP... then it's ANOTHER 2 years before you can get another bonus...
With Chase I was able to rack up about 500,000 UR points via signup bonuses in a similar period of time....and then further earn with "normal" spend is significantly better too since you can get 3-5x in a LOT of categories across those cards.
Being able to easily rack up 10x more points from signups in a similar time period seems to more than make up for Citi having a couple of partners chase doesn't
Hence we've always used our citi points for hotels (stacked 4th night free and the 25% premier bonus on top- though that second one goes away soon so likely cancelling that card when the AF comes around ext) because there was simply no reasonable way to rack up enough of them for cheap enough to be worth doing versus doing much more valuable new signups elsewhere.
Unless you have higher interest CC debt or other debt with greater than the 3% Citi will charge for transfer.
Will it ever reset before 12 months under any circumstances?
Will it ever reset before 12 months under any circumstances?
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.
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You can use one of the 0% offers from other cards like the one in the OP just fine- though you'll pay a 3% fee on the entire amount as a balance transfer fee to do it-
You'll also need to be able to pay off the entire amount by the end of those 18 months or start getting hit with a lot higher than 8% interest on the remaining balance.
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.
Ah, yet another guy replying to a post from 2019 and not bothering to read any recent content including literally the post above his own to see why his own post was pointless...
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