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Citi® Double Cash Card: Balance Transfers Expired

0% Intro APR
for 18 Months
+196 Deal Score
991,898 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
991,898 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 Jul 2007
L3: Loser
> bubble2 2,445 Posts
480 Reputation
VirtualShoplift
01-15-2022 at 03:15 PM.
01-15-2022 at 03:15 PM.
Quote from zoshka5 View quoted comment :
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.

Do you know what? You got a really good point a really good point I was about to pull the trigger on this but I'm not going to. I despise spam mail and emails and marking BS. I'll deal with my local credit union as well. Thanks for the advice!
2
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Joined Nov 2020
New User
> bubble2 4 Posts
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TX_Pilot
01-28-2022 at 04:22 AM.
01-28-2022 at 04:22 AM.
Quote from bradyohio View quoted comment :
WOW! I had no idea but always wondered. Thank you for posting this... I routinely pay off my balances before statements.

I don't believe this is correct. There is a thing called a "Purchase Tracker". It says on my statement "When you make a purchase that amount goes into your purchase tracker. Balance transfers, cash advances and fees are not included. When you make a payment your purchase tracker is reduced by that amount. When your purchase tracker reaches $0 then you won't receive cash back for those payments." I routinely pay prior to the end of the statement and I checked several statements and am getting full cash back on every purchase. I believe the purchase tracker is only to prevent cash back on cash advances, fees and balance transfers.
Reply
Joined Nov 2020
New User
> bubble2 4 Posts
10 Reputation
TX_Pilot
01-28-2022 at 04:23 AM.
01-28-2022 at 04:23 AM.
Quote from cheapassdude View quoted comment :
One thing about this card I didn't realize until a few months later was you will not receive any cash back on any balance paid before you receive the statement. So make sure to always wait until the end of the billing cycle to pay to receive the other 1% for paying.

I don't believe this is correct. There is a thing called a "Purchase Tracker". It says on my statement "When you make a purchase that amount goes into your purchase tracker. Balance transfers, cash advances and fees are not included. When you make a payment your purchase tracker is reduced by that amount. When your purchase tracker reaches $0 then you won't receive cash back for those payments." I routinely pay prior to the end of the statement and I checked several statements and am getting full cash back on every purchase. I believe the purchase tracker is only to prevent cash back on cash advances, fees and balance transfers.
Reply
Joined Nov 2006
L7: Teacher
> bubble2 2,013 Posts
358 Reputation
BossNog
02-02-2022 at 07:58 PM.
02-02-2022 at 07:58 PM.
Has anyone had issues getting credit for the "merchant offers" for this card? I did a Best Buy offer back in October that said you'd get $20 back on purchases over $200 but still have not received my credit. When I call none of the reps seem to know that this program exists.
Reply
Joined Mar 2016
L4: Apprentice
> bubble2 405 Posts
58 Reputation
vf_guy
02-04-2022 at 08:11 PM.
02-04-2022 at 08:11 PM.
No longer cash back. You get points as of 3/28/22.
1
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Joined Jul 2005
L4: Apprentice
> bubble2 417 Posts
247 Reputation
Space
02-05-2022 at 03:26 AM.
02-05-2022 at 03:26 AM.
Quote from vf_guy View quoted comment :
No longer cash back. You get points as of 3/28/22.
As long as you can still get cash back, does it matter? I guess it sets the stage where they can devalue the points so that 100 points no longer gets you $1.00 cash back, but as of now it looks like you get points at the same rate you got cash and can redeem the points for cash.
Reply
Joined Mar 2016
L4: Apprentice
> bubble2 405 Posts
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vf_guy
02-05-2022 at 04:39 AM.
02-05-2022 at 04:39 AM.
Quote from Space View quoted comment :
As long as you can still get cash back, does it matter? I guess it sets the stage where they can devalue the points so that 100 points no longer gets you $1.00 cash back, but as of now it looks like you get points at the same rate you got cash and can redeem the points for cash.

Per their notification, 1,000 points = $10
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Joined Dec 2015
L5: Journeyman
> bubble2 989 Posts
325 Reputation
muckymucks
02-05-2022 at 04:14 PM.
02-05-2022 at 04:14 PM.
Quote from Space View quoted comment :
As long as you can still get cash back, does it matter? I guess it sets the stage where they can devalue the points so that 100 points no longer gets you $1.00 cash back, but as of now it looks like you get points at the same rate you got cash and can redeem the points for cash.
The rewards seem to be about the same if you want cash back. Citi is hoping changing it to Thank You Points will make people buy gift cards instead of wanting the cash instead.
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Joined Jul 2010
Expert
> bubble2 4,058 Posts
889 Reputation
mitchflorida
02-05-2022 at 04:31 PM.
02-05-2022 at 04:31 PM.
This offer is a trap. If you do a balance transfer and then start using the card to make purchases, you will get hit with 17 percent interest on your purchases from Day one.

Don't mix purchases and balance transfers on the same card.
1
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Joined Jun 2014
L4: Apprentice
> bubble2 393 Posts
57 Reputation
hinn
02-07-2022 at 07:21 AM.
02-07-2022 at 07:21 AM.
Quote from mitchflorida View quoted comment :
This offer is a trap. If you do a balance transfer and then start using the card to make purchases, you will get hit with 17 percent interest on your purchases from Day one.

Don't mix purchases and balance transfers on the same card.
Yes. That's how these banks make money if you don't read their rules and make us fall into trap. Be careful and read the terms.
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Joined Aug 2012
L2: Beginner
> bubble2 74 Posts
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sl2013
02-07-2022 at 05:33 PM.
02-07-2022 at 05:33 PM.
Now that Citi is switching to points, what's a good alternative? I found Alliant Credit Union's 2.5% cash back https://www.alliantcreditunion.or...ature-card is there anything better? They want $1000 sitting in a checking account for three months to qualify.
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Joined Feb 2009
L4: Apprentice
> bubble2 423 Posts
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gPJ9RRAQqR0bsaS3AFS2
02-08-2022 at 05:27 AM.
02-08-2022 at 05:27 AM.
Quote from sl2013 View quoted comment :
Now that Citi is switching to points, what's a good alternative? I found Alliant Credit Union's 2.5% cash back https://www.alliantcreditunion.or...ature-card is there anything better? They want $1000 sitting in a checking account for three months to qualify.
Well the points are currently still the same value when you redeem for cash. That could change at some point. Sofi is the other one I would take a look at

https://www.sofi.com/credit-card/
Reply
Joined Aug 2012
L2: Beginner
> bubble2 74 Posts
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sl2013
02-08-2022 at 12:42 PM.
02-08-2022 at 12:42 PM.
Quote from gPJ9RRAQqR0bsaS3AFS2 View quoted comment :
Well the points are currently still the same value when you redeem for cash. That could change at some point. Sofi is the other one I would take a look at

https://www.sofi.com/credit-card/
At 2%, I would probably get the WellsFargo Active Cash. Or maybe Fidelity Visa.
https://creditcards.wellsfargo.co...edit-card/

At 2.5% there's also Farmers Crystal Visa, which starts at 3% first 12mo.
https://figfcu.org/crystal-visa

Best one I found is AOD at 3% Visa Signature but too much signup friction.
https://www.aodfcu.com/visa-signa...edit-card/
Reply
Joined May 2015
L1: Learner
> bubble2 7 Posts
80 Reputation
agagnon11223344
02-08-2022 at 03:37 PM.
02-08-2022 at 03:37 PM.
Quote from Jess96 View quoted comment :
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:
{marketingBullets}

Slickdeals may be compensated by Citi.
I have had this card a long time, but now they're doing points. I think you can still get cash back, but now you don't have to have a $25 minimum. YRMV.
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Joined Mar 2006
L9: Master
> bubble2 4,766 Posts
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ulieq
02-09-2022 at 03:05 PM.
02-09-2022 at 03:05 PM.
This card is being discontinued and everyone auto conversion to points in March
Reply
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