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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 Mar 2015
Foofi
> bubble2 4,266 Posts
711 Reputation
CoolDealFinder
10-27-2021 at 06:57 PM.
10-27-2021 at 06:57 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."

That like charging 3% interest up front. SHITTY DEAL!
2
Reply
Joined Feb 2013
L4: Apprentice
> bubble2 324 Posts
46 Reputation
k1981r
10-27-2021 at 08:49 PM.
10-27-2021 at 08:49 PM.
This is a trash card. Credit limit is very less. I have 8 other cards with $16k least credit limit. 800+ credit history, and 15% usage. I got approval for $7k on this one. Ridiculous.. stay away from this.
4
Reply
Joined Dec 2019
New User
> bubble2 2 Posts
10 Reputation
TalentedCorn8762
10-27-2021 at 09:24 PM.
10-27-2021 at 09:24 PM.
Quote from Knightshade View quoted comment :
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.

I guess they are doing it again because it's on the site. You can go right to citicards and it's there
Reply
Joined Aug 2008
Gonna Rep You A New One
> bubble2 13,746 Posts
2,298 Reputation
Pro
Slimeyface
10-28-2021 at 01:00 AM.
10-28-2021 at 01:00 AM.
Quote from CoolDealFinder View quoted comment :
That like charging 3% interest up front. SHITTY DEAL!

That's exactly like "charging 3% interest up front".


So pay 3% of your balance then go 18 months with no interest… the winner is evidently you.


GREAT DEAL!
1
Reply
Joined Dec 2015
L5: Journeyman
> bubble2 989 Posts
325 Reputation
muckymucks
10-28-2021 at 05:46 PM.
10-28-2021 at 05:46 PM.
Every credit card should be considered having a de facto 0% interest rate otherwise what's the point of getting rewards? For those of you who pay interest, thanks for the free money!
1
Reply
Joined Apr 2011
L9: Master
> bubble2 4,541 Posts
2,093 Reputation
ThatOneGuyWho1
11-14-2021 at 01:10 PM.
11-14-2021 at 01:10 PM.
So you have to pay off your entire balance transfer each month to not get charged interest or just the monthly minimum?

So if I transfer $2k, do I have to pay off that $2k to not be charged interest or the minimum of say $100 a month?
Reply
Joined Dec 2006
L6: Expert
> bubble2 1,457 Posts
479 Reputation
GeorgeMcFly
11-18-2021 at 11:41 AM.
11-18-2021 at 11:41 AM.
Quote from ThatOneGuyWho1 View quoted comment :
So you have to pay off your entire balance transfer each month to not get charged interest or just the monthly minimum?

So if I transfer $2k, do I have to pay off that $2k to not be charged interest or the minimum of say $100 a month?
If you transfer $2k, it will charge you upfront 3% ($60) for the actual Balance Transfer. Then you only need to make the monthly minimum (say $100) for 0% interest for 18 months.

I just grabbed this card.. and pretty disappointed. I was only given a $3k line.. but it could also be because I already have a Citi Costco with a $20k limit. It's still odd, since I have a few cards with $15k-20k limits as well. I regret the hard pull for this toy $3k limit balance transfer card.

Edit: ended up doing a "2 hard pulls in 1 day" mini app-o-rama.. grabbed BofA offer which is pretty much the same (18 months 0% with 3% BT fee). I already have enough cash back type cards.. doing this strictly for the 18 months. BofA gave $10k limit (much better).
1
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Last edited by GeorgeMcFly November 18, 2021 at 12:19 PM.

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Joined Mar 2006
L9: Master
> bubble2 4,766 Posts
617 Reputation
ulieq
12-14-2021 at 07:27 PM.
12-14-2021 at 07:27 PM.
Quote from k1981r View quoted comment :
This is a trash card. Credit limit is very less. I have 8 other cards with $16k least credit limit. 800+ credit history, and 15% usage. I got approval for $7k on this one. Ridiculous.. stay away from this.

My credit limit with this card is 22000 so?
Reply
Joined Mar 2014
L3: Novice
> bubble2 200 Posts
18 Reputation
davelbier
01-05-2022 at 08:19 AM.
01-05-2022 at 08:19 AM.
I have had this for a couple of years.... 2% back is nice. I got about $900 back in cash this year
Reply
Joined Nov 2020
L2: Beginner
> bubble2 78 Posts
BraveIdea543
01-06-2022 at 05:59 PM.
01-06-2022 at 05:59 PM.
Remember there is no 0% for purchases! You will be charged interest if you only pay minimum for purchases¡
Reply
Joined Jan 2012
L3: Novice
> bubble2 4,474 Posts
537 Reputation
RedElmo
01-08-2022 at 09:45 PM.
01-08-2022 at 09:45 PM.
Does this card ever have a sign up bonus?
Reply
Joined Sep 2008
L5: Journeyman
> bubble2 1,601 Posts
178 Reputation
308Sound
01-09-2022 at 06:02 AM.
01-09-2022 at 06:02 AM.
Quote from k1981r View quoted comment :
This is a trash card. Credit limit is very less. I have 8 other cards with $16k least credit limit. 800+ credit history, and 15% usage. I got approval for $7k on this one. Ridiculous.. stay away from this.
you can call and request an increase. however, I agree. Citi is trash. Citi closed four of my accounts without reason a few days ago. Four cards, all paid in full on time 20k per month average balance. I called their 800# and they say I have to write to find out why. No thanks.
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Joined Sep 2016
Penguinbro
> bubble2 5,358 Posts
762 Reputation
anonymous2929239
01-10-2022 at 04:37 PM.
01-10-2022 at 04:37 PM.
Quote from ElKarl View quoted comment :
I have the Citi Double Cash and Simplicity but am cancelling them at the end of the billing cycle due to Citi forcing employees to get vaccinated or get fired. I will go with a card that doesn't impose Nazi mandates on employees.
who cares about your personal belief about what happens to their employees.

I am anti vax myself but I couldn't give a crap about what a company does to their employees. the card is all I care about or the benefit from them. they could use slaves and I really wouldn't give a crap.

people got to concern themselves with other peoples problems? come on man, you dont owe them employees anything. let alone stress yourself over it. Lol lame
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Joined Mar 2019
L3: Novice
> bubble2 250 Posts
82 Reputation
SmartSquirrel9403
01-13-2022 at 05:16 AM.
01-13-2022 at 05:16 AM.
This card used to offer a window of price protection if it dropped. They have since sliced off almost all the extra benefits like that.
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