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Citi® Double Cash Card: Balance Transfers Expired

0% Intro APR
for 18 Months
+196 Deal Score
961,210 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:

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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
961,210 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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Featured Comments

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 Sep 2009
L10: Grand Master
> bubble2 15,333 Posts
4,338 Reputation
Knightshade
10-12-2020 at 05:50 AM.
10-12-2020 at 05:50 AM.
Quote from junhao123 :
TBF, I wouldn't recommend buying calls/puts (even long term) or use options for comparison. That's just too risky for the average person. Quickest way for some poor soul reading this to become the next wanna-be degenerate posting $ROPE loss porn to /r/WSB.

To be clear, I was only mentioning those as (yet more) examples of ways you can profit from a market going in either direction if you're confident that's the direction it's going over the relevant period of time, as the other guy seemed convinced you should just flee the market entirely any time you think it's too high.

Long term buy and hold remains the most productive strategy for most - time IN market reliably beats timing OF the market.

Fidelity noted an internal performance review on accounts to determine which type of investors received the best returns between 2003 and 2013. The customer account audit revealed that the best investors are dead or inactive because they weren't trying to "guess" where the top or bottom were, and just relied on the fact markets go up in the long term.
1
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Joined Dec 2007
L10: Grand Master
> bubble2 10,948 Posts
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Pro
CosmologicalConstant
10-12-2020 at 06:40 AM.
10-12-2020 at 06:40 AM.
Quote from junhao123 :
At worst case you can get a financial advisor to handle your investments. They usually use a balanced portfolio of ETFs, which works and is stable if history is any indication.
With BOA relationships the fees should be low or negligible though honestly I'd say DIY. You can invest in companies you care about.

But it's a little crazy for anyone to think having your money sitting in a less than 1% interest savings account is worth it. Where to recoup losses from inflation you have to spend more money and have your savings locked in and wasting away.
(Especially in this environment, where doubling your investments year over year was possible if you knew what you were doing, and at least 10-20% gains easily even if you didn't. Almost all of the stocks you could do this on were not risky to bet on.)

TBF, I wouldn't recommend buying calls/puts (even long term) or use options for comparison. That's just too risky for the average person. Quickest way for some poor soul reading this to become the next wanna-be degenerate posting $ROPE loss porn to /r/WSB.
Thanks. Good advice.
1
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Joined Dec 2007
L10: Grand Master
> bubble2 10,948 Posts
1,932 Reputation
Pro
CosmologicalConstant
10-13-2020 at 12:55 PM.
10-13-2020 at 12:55 PM.
Quote from Knightshade :
There's literally no place else to put your money and expect a decent return- exactly because interest rates on things like savings accounts are so terrible.

So yes it makes perfect sense.
Hate to say this but I told you so (and previously I cited Apple specifically)
https://markets.businessinsider.c...1029676081
2
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Joined Sep 2009
L10: Grand Master
> bubble2 15,333 Posts
4,338 Reputation
Knightshade
10-13-2020 at 04:46 PM.
10-13-2020 at 04:46 PM.
Quote from JoyTan :
Hate to say this but I told you so (and previously I cited Apple specifically)
https://markets.businessinsider.c...1029676081

I hate it too, since literally nothing you said was accurate, valid, or indicated any understanding of the posts to which you kept robotically repeating your ignorance.

Nor does the link you provided in any useful way address anything said to you, since, again, you keep making it clear you don't understand any of it in the slightest.

Even dumber- if you had bought Apple the day you brought this stupidity up (10/8) it was $115.05 a share.

Today, AFTER The drop in your link, it closed at... $121.10 a share.

A PROFIT of over 5% in about 5 days.

(spoiler: that's better than 2% per year)

Keep digging man, china can't be far now!
1
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Last edited by Knightshade October 13, 2020 at 04:49 PM.
Joined Jul 2019
Lil Jimmy,Bng 9er Gng
> bubble2 3,694 Posts
94c107ea-869c-45a5-becd-c6b552
10-14-2020 at 03:05 PM.
10-14-2020 at 03:05 PM.
Quote from Farmeroak :
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."

how did this even make it to FP? oldest trick in book
Reply
Joined Aug 2011
L6: Expert
> bubble2 1,941 Posts
109 Reputation
robrob777
10-16-2020 at 08:37 PM.
10-16-2020 at 08:37 PM.
I was about to open it and read the phrase "Thank You Points"... I want 2% cash back plain and simple. I don't like any sort of points...will stick the the Freedom Unlimited.
Reply
Joined Apr 2018
L2: Beginner
> bubble2 50 Posts
14 Reputation
CrimsonChin1714
10-17-2020 at 10:13 AM.
10-17-2020 at 10:13 AM.
This is the best credit card, hands down. Prior to this once coming out I had another one that put 1.5% in a 529 plan. I had that for 15 years and that money paid for one full year of my sons undergrad @ CalPoly. I was astonished.
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Joined Aug 2006
L5: Journeyman
> bubble2 888 Posts
199 Reputation
sdr
10-17-2020 at 11:41 AM.
10-17-2020 at 11:41 AM.
Great card, but you can only get support via crappy chat or phone...no more email ...sucks
Reply
Joined Oct 2018
L3: Novice
> bubble2 143 Posts
18 Reputation
PatrickR8354
10-19-2020 at 01:09 PM.
10-19-2020 at 01:09 PM.
Quote from Bargainfinder :
Chase is far more conservative with their credit lines than Citi. You may get no fee with the Slate, but they might only give you a credit line on $5,000.
huh, in my experience Chase has been the most generous. I have multiple cards with Chase all more than twice the limit Citi gave me, some three times the limit.
Reply
Joined Nov 2011
L67: Master
> bubble2 568 Posts
77 Reputation
thorag
10-19-2020 at 05:40 PM.
10-19-2020 at 05:40 PM.
I have been waiting for quite some time for this card to offer a sign up bonus I stead of the 0% apr. What's the chance of that happening? Any other 2 percent cards out there?
Reply
Joined Sep 2014
L4
> bubble2 575 Posts
102 Reputation
RS1985
10-19-2020 at 05:43 PM.
10-19-2020 at 05:43 PM.
Quote from thorag :
I have been waiting for quite some time for this card to offer a sign up bonus I stead of the 0% apr. What's the chance of that happening? Any other 2 percent cards out there?
Pretty slim. They have no trouble getting people to sign up for this card, so they've never really needed to offer sign up bonuses.
Reply
Joined Dec 2006
L6: Expert
> bubble2 1,429 Posts
479 Reputation
GeorgeMcFly
10-24-2020 at 09:20 AM.
10-24-2020 at 09:20 AM.
Quote from PMR :
I would recommend Costco Visa card with current benefits..has all coverages, but not 2% .. though has 3% at restaurant and for travel and 5% on gas
I'm pretty sure Costo Citi VISA gives 4% on gas.. not 5%
Reply
Joined Jan 2020
The Maestro
> bubble2 1,079 Posts
3,214 Reputation
Rocketmon
10-31-2020 at 04:51 AM.
10-31-2020 at 04:51 AM.
My favorite card. Miles are useless these days. Cold hard cash is a great thing. Especially for folks like me who pay off each month
Reply
Joined Feb 2010
Spontaneous Shopper
> bubble2 3,714 Posts
1,026 Reputation
SumDuud
11-05-2020 at 08:34 PM.
11-05-2020 at 08:34 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%.

Are your normal cards zero interest? I have trouble understanding this mentality, especially for people that have fallen into (and are hopefully trying to get out of) big cc debt. 3% of 1000% is less than you'd be charged in interest in a month on a 19% apr card.
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Joined Dec 2004
L10: Grand Master
> bubble2 12,525 Posts
1,365 Reputation
kensteele
11-05-2020 at 08:55 PM.
11-05-2020 at 08:55 PM.
Quote from SumDuud :
Are your normal cards zero interest? I have trouble understanding this mentality, especially for people that have fallen into (and are hopefully trying to get out of) big cc debt. 3% of 1000% is less than you'd be charged in interest in a month on a 19% apr card.
the fee is considered interest so of course, do the math and pay which charges the least amount of interest. however, as i mentioned, i will never pay a fee just to get a 0% interest rate when i never carry a balance. i have been known to accept a $0 fee and 0% interest for 12 - 15 months just so i can carry the balance for the entire time and use the money elsewhere.

my normal cards can be considered 0% when it comes to the promotional rate (i.e. discover) otherwise the apr is never going to matter since i never carry a balance.
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