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Citi® Double Cash Card: Balance Transfers Expired

0% Intro APR
for 18 Months
+196 Deal Score
991,443 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
991,443 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 Dec 2008
L4: Apprentice
> bubble2 458 Posts
22 Reputation
bhome83
03-18-2021 at 07:37 AM.
03-18-2021 at 07:37 AM.
I had this card and citi closed it because of inactivity. Would they deny me if I tried to open a new one?
Reply
Joined Mar 2010
L6: Expert
> bubble2 1,175 Posts
128 Reputation
Krawk
03-19-2021 at 12:08 PM.
03-19-2021 at 12:08 PM.
Ever so slightly lesser rate on transfer fees. Most offers I have seen are 4%.
Reply
Joined Jul 2012
L3: Novice
> bubble2 100 Posts
14 Reputation
hunH
03-21-2021 at 11:41 PM.
03-21-2021 at 11:41 PM.
Quote from netweaver View quoted comment :
Another option is the Navy Federal Platinum card - I just got approved a couple weeks ago. The current offer is 12-months 0% interest on balance transfers with no transfer fee. Also, there is no annual fee and my interest rate is 14.37%. You may be able to do better on the APR if your FICO score is higher than mine - the rates range from 7.74%-18.0%.

Also wanted to add that when I have called customer service, the experience has always been excellent. I definitely can't say that about a few others.

This is for retired members of the armed forces to include their families.
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Joined Jan 2020
New User
> bubble2 1 Posts
10 Reputation
FabulousMoon2844
03-23-2021 at 08:10 PM.
03-23-2021 at 08:10 PM.
Does anyone know if these guys give you checks to get the balance to your checking account rather than to another credit card
Reply
Joined Sep 2006
L4: Apprentice
> bubble2 334 Posts
62 Reputation
netweaver
03-24-2021 at 03:19 AM.
03-24-2021 at 03:19 AM.
Quote from hunH View quoted comment :
This is for retired members of the armed forces to include their families.
Not JUST retired military - also active duty. Also, they occasionally have membership drives where I think they loosen the requirements, but it's been so long since I joined that I don't remember the details. All I know is that a family member asked me to join because we both got $50. I did it for them to help them out and didn't really use my account at first. I don't remember being required to prove military affiliation during my app, but my father was a veteran.
Reply
Joined Jul 2010
Expert
> bubble2 4,058 Posts
889 Reputation
mitchflorida
03-24-2021 at 05:10 AM.
03-24-2021 at 05:10 AM.
Quote from FabulousMoon2844 View quoted comment :
Does anyone know if these guys give you checks to get the balance to your checking account rather than to another credit card
Bank of America and Citi do, to certain customers. YMMV.
1
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Joined Feb 2008
L8: Grand Teacher
> bubble2 3,249 Posts
769 Reputation
rjm08
03-25-2021 at 05:48 AM.
03-25-2021 at 05:48 AM.
I am looking for another 2% card- already have fidelity

Balance transfer is of no value to me

Looking for something with a bonus for opening too

Found Keesler CU and Paypal both have 2% cards but no bonuses

And paypal refused to change my current paypal extras mc to a 2% card without applying for a new card

Trying to limit my hard pulls for no real reason other than they ding my score a little

I had 2 a few years ago and it knocked my score down 8 points for a year I think

Might be applying for a lowes card for a 20% coupon as I will be buying a water heater soon its going to be $589+ tax for the higher end one

Thats only an effective 118 savings and really less than that as I can get a 10% coupon for around $3
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Joined Jul 2010
Expert
> bubble2 4,058 Posts
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mitchflorida
03-25-2021 at 06:16 AM.
03-25-2021 at 06:16 AM.
If you already have a 2% cashback card, why do you need another one? Lots of $150 and $200 bonuses out there for $500 spend.
1
Reply
Last edited by mitchflorida March 25, 2021 at 06:19 AM.
Joined Aug 2009
L10: Grand Master
> bubble2 9,363 Posts
1,106 Reputation
woodygg
03-25-2021 at 04:15 PM.
03-25-2021 at 04:15 PM.
Quote from mitchflorida View quoted comment :
If you already have a 2% cashback card, why do you need another one? Lots of $150 and $200 bonuses out there for $500 spend.
I was thinking the same thing. Better to get a specialty card to get a higher % back for specific categories, etc. if you already a 2% card. Although I will say the Fidelity 2% card was a nightmare to use... I closed that one pretty fast.
1
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Joined Jun 2016
L4: Apprentice
> bubble2 305 Posts
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Butterscratch
03-25-2021 at 09:18 PM.
03-25-2021 at 09:18 PM.
Used to get a lot of mail campaigns on cards with 0 BT Fee and decent 0% intro length. Now that I'm interested, it dried up. Oh well.
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Joined Nov 2005
Findin' Deals Since '84
> bubble2 1,379 Posts
337 Reputation
mikebacker
03-26-2021 at 06:41 PM.
03-26-2021 at 06:41 PM.
Quote from Farmeroak View quoted comment :
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."

Yup, effectively makes your absolute best case about 2% apr if you time everything perfectly.
Reply
Joined Feb 2008
L8: Grand Teacher
> bubble2 3,249 Posts
769 Reputation
rjm08
03-27-2021 at 06:37 AM.
03-27-2021 at 06:37 AM.
Quote from mitchflorida View quoted comment :
If you already have a 2% cashback card, why do you need another one? Lots of $150 and $200 bonuses out there for $500 spend.
Every year fidelity has a bonus offer for Nov & dec over a certain spend based on past usage

Last year it was $650 because I used the card a lot in the prior year

If I used it less it would have a lower threshold for the bonus

I do things like prepay my power and water bills $500-600 at a time and doing so jacks up my holiday spend

I think the bonus is an extra 3% over whatever amount the letter says
Reply
Joined Feb 2008
L8: Grand Teacher
> bubble2 3,249 Posts
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rjm08
03-27-2021 at 06:43 AM.
03-27-2021 at 06:43 AM.
Quote from woodygg View quoted comment :
I was thinking the same thing. Better to get a specialty card to get a higher % back for specific categories, etc. if you already a 2% card. Although I will say the Fidelity 2% card was a nightmare to use... I closed that one pretty fast.

Ive had the fidelity card for years - not a nightmare at all-

In fact in the last 6 months or so they changed the bonus needed to cash it out from $50 to $25

Of course fidelity was my broker long before I got the card

Years ago before commissions were free I was inquiring with Merrill Egde as they had a pretty large bonus

Before I even gave the guy my name he called me by name

Apparently because I have a BOA credit card and the called ID told him who I was
I never did open their brokerage account as I don't think it had the level 2 quotes without a really large account and I was going to start with a modest account at first
Reply
Joined Aug 2009
L10: Grand Master
> bubble2 9,363 Posts
1,106 Reputation
woodygg
03-27-2021 at 08:48 AM.
03-27-2021 at 08:48 AM.
Quote from rjm08 View quoted comment :
Ive had the fidelity card for years - not a nightmare at all-

In fact in the last 6 months or so they changed the bonus needed to cash it out from $50 to $25

Of course fidelity was my broker long before I got the card

Years ago before commissions were free I was inquiring with Merrill Egde as they had a pretty large bonus

Before I even gave the guy my name he called me by name

Apparently because I have a BOA credit card and the called ID told him who I was
I never did open their brokerage account as I don't think it had the level 2 quotes without a really large account and I was going to start with a modest account at first
You're lucky - I was always having the card blocked from purchases - and would have to call in to resolve. Fidelity outsources the management of the card and they have a very antiquated system, unlike Citi that will text you to confirm purchase and you're good to go. Fidelity is my broker - they are amazing at administering and managing 401K programs (I've administered numerous programs with them, as well as moving 401K programs to them), not so much at managing credit cards... which is the actual topic here. Regarding level 2 quotes, if you're truly into trading, Fidelity is not where you want to be.
1
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Last edited by woodygg March 27, 2021 at 08:55 AM.

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Joined Feb 2008
L8: Grand Teacher
> bubble2 3,249 Posts
769 Reputation
rjm08
03-27-2021 at 10:55 AM.
03-27-2021 at 10:55 AM.
Quote from woodygg View quoted comment :
You're lucky - I was always having the card blocked from purchases - and would have to call in to resolve. Fidelity outsources the management of the card and they have a very antiquated system, unlike Citi that will text you to confirm purchase and you're good to go. Fidelity is my broker - they are amazing at administering and managing 401K programs (I've administered numerous programs with them, as well as moving 401K programs to them), not so much at managing credit cards... which is the actual topic here. Regarding level 2 quotes, if you're truly into trading, Fidelity is not where you want to be.
Never had any problem using my card and I don't text

I don't really trade- I invest but 20 years ago I did a little more short term trades
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