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Citi® Double Cash Card: Balance Transfers Expired

0% Intro APR
for 18 Months
+196 Deal Score
991,482 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

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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.
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Created 11-05-2019 at 11:31 AM by Jess96
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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 Jan 2013
L2: Beginner
> bubble2 88 Posts
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slickbuys
02-09-2022 at 08:28 PM.
02-09-2022 at 08:28 PM.
Quote from sl2013 View quoted comment :
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/

What do you mean by signup friction? Is AODCU account a must to open the AOD CC?
Reply
Joined Nov 2010
L5: Journeyman
> bubble2 509 Posts
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r6parker
02-09-2022 at 08:56 PM.
02-09-2022 at 08:56 PM.
Quote from slickbuys View quoted comment :
What do you mean by signup friction? Is AODCU account a must to open the AOD CC?

I'm interested as well
Reply
Joined Dec 2011
L7: Teacher
> bubble2 2,221 Posts
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gameson
02-09-2022 at 09:08 PM.
02-09-2022 at 09:08 PM.
I just got mail saying that this card is going to be converted into thank you points.

Damn, i hate thank you points.

Do you know other cash back card to get at citi? So I don't have to get my credit score hits as i just want a card.

Thanks.
2
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Joined Aug 2012
L2: Beginner
> bubble2 74 Posts
18 Reputation
sl2013
02-10-2022 at 11:41 AM.
02-10-2022 at 11:41 AM.
Quote from r6parker View quoted comment :
I'm interested as well
Slow, manual process. First signup to affiliated org, apply for membership, send copies of home related utility bills, copy of your social security, drivers license, proof of income and employment, and a selfie picture (creepy). They don't move fast on processing the application. As if they don't want more customers.
Reply
Joined Nov 2010
L5: Journeyman
> bubble2 509 Posts
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r6parker
02-10-2022 at 12:12 PM.
02-10-2022 at 12:12 PM.
Quote from sl2013 View quoted comment :
Slow, manual process. First signup to affiliated org, apply for membership, send copies of home related utility bills, copy of your social security, drivers license, proof of income and employment, and a selfie picture (creepy). They don't move fast on processing the application. As if they don't want more customers.

Gotcha, thanks for the info!
Reply
Joined Aug 2009
L10: Grand Master
> bubble2 9,363 Posts
1,106 Reputation
woodygg
02-11-2022 at 03:09 PM.
02-11-2022 at 03:09 PM.
Quote from gameson View quoted comment :
I just got mail saying that this card is going to be converted into thank you points.

Damn, i hate thank you points.

Do you know other cash back card to get at citi? So I don't have to get my credit score hits as i just want a card.

Thanks.
Curious why that matters to you?
1
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Last edited by woodygg February 11, 2022 at 03:13 PM.
Joined Aug 2009
L10: Grand Master
> bubble2 9,363 Posts
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woodygg
02-11-2022 at 03:13 PM.
02-11-2022 at 03:13 PM.
Quote from OrangeLeopard394 View quoted comment :
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.
They are absolutely correct. I called Citi to confirm a while ago. I was paying early as well, and missing out on that additional 1% by doing so. I was very annoyed since I missed out... You have to wait until your statement closes to pay them to earn the additional 1%. It's clear they do this so they end up paying less cash back (because of people doing exactly what I was doing) - and hoping you'll end up not paying and therefore incur finance charges... a bit shady but it is what it is.
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Joined Aug 2009
L10: Grand Master
> bubble2 9,363 Posts
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woodygg
02-11-2022 at 03:19 PM.
02-11-2022 at 03:19 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.
losing a half percent on your purchases (you were making 33% more than you are now)? NO. THANKS.

I don't receive any of the crap you mentioned... and even if I did I could not care less - this is about maximizing cash back only.
1
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Last edited by woodygg February 11, 2022 at 04:21 PM.
Joined Nov 2008
SUB SONIC CAT
> bubble2 9,094 Posts
hungrytiger
02-14-2022 at 12:24 AM.
02-14-2022 at 12:24 AM.
Quote from gameson View quoted comment :
I just got mail saying that this card is going to be converted into thank you points.

Damn, i hate thank you points.

Do you know other cash back card to get at citi? So I don't have to get my credit score hits as i just want a card.

Thanks.
Every so often it is something deleted or changed.
Still reading the fine print as it says something about converting to cash.
And it does mater.
Quote :
What will happen to my existing cash rewards balance?
Any cash rewards balance in your account will be converted to ThankYou® Points. You will receive 1 point for every cent in cash rewards. For example, if you have $10.13 in cash rewards, your rewards will be converted to 1,013 ThankYou® Points — redeemable for a $10.13 statement credit, direct deposit or check.
Quote :
You'll get the same great cash back value
We know our Citi Double Cash cardholders love earning cash back twice. Here's how it'll work with ThankYou® Points:

1 point per $1 spent on purchases + 1 point per $1 paid on those purchases

You'll have the same cash redemption options you enjoy with Citi Double Cash, but with ThankYou® Points.
So, in April we will see how this works.

It looks like we may get lucky as all you will need to do is do an extra step. Maybe!

The two times I have used points at Amazon it was not a good deal at all. Lost a little value in the transfer.

Too early to make a final judicial decision at this point in time. Just keep your options open. Sometimes I use my BB, USAA, Sam club, card to get additional rebates.

Everyone needs options.
Reply
Last edited by hungrytiger February 14, 2022 at 12:42 AM.
Joined Nov 2013
L1: Learner
> bubble2 15 Posts
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JesseR9245
02-14-2022 at 10:19 AM.
02-14-2022 at 10:19 AM.
Any options for balance transfer cards with no fee? Every card i find has a fee
Reply
Joined Aug 2009
L10: Grand Master
> bubble2 9,363 Posts
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woodygg
02-14-2022 at 06:53 PM.
02-14-2022 at 06:53 PM.
Quote :
Quote from JesseR9245 View quoted comment :
Any options for balance transfer cards with no fee? Every card i find has a fee
I believe there's entire websites devoted to such questions...
2
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Joined Dec 2020
L6: Expert
> bubble2 2,007 Posts
ElKarl
02-16-2022 at 06:02 AM.
02-16-2022 at 06:02 AM.
Quote from gameson View quoted comment :
I just got mail saying that this card is going to be converted into thank you points.

Damn, i hate thank you points.

Do you know other cash back card to get at citi? So I don't have to get my credit score hits as i just want a card.

Thanks.
Wells Fargo Active Cash Visa card gives 2% on purchases plus a $200 credit if you spend $1000 in 3 months. Same for FNBO Evergreen Visa.

I am cancelling my two Citi cards and closing my account due to their evil Nazi vaccine mandate for their employees.

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HIDDENElKarl02-16-2022 at 06:19 AM.
Joined Aug 2009
L10: Grand Master
> bubble2 9,363 Posts
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woodygg
02-16-2022 at 06:24 AM.
02-16-2022 at 06:24 AM.
Quote from ElKarl View quoted comment :
Citi forced their employees to choose between their job and a vaccine that has barely been out a year, that doesn't stop you from getting covid, that doesn't stop you from passing covid, that doesn't stop you from getting sick from covid, and doesn't stop you from dying from covid, and that has side effects like blood clots and an enlarged heart causing amputations and death.

Those who mandated it are evil evil people.
No one has ever argued that any particular action would STOP covid, that is just you using disingenuous arguments (since you have nothing factual to offer). You and your flat-earth are clearly fact immune - so citing the actual data is pointless - almost all covid-related deaths now are from people that are unvaccinated. But society has to deal such nonsense such as yours every time there's a pandemic. You can't even stay on topic here... the topic is when to pay your bill - and here you are hysterical about vaccines...
https://time.com/6138566/pandemic...accinated/
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Last edited by woodygg February 16, 2022 at 06:26 AM.

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Joined Mar 2005
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> bubble2 6,604 Posts
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PedroR
02-16-2022 at 06:36 AM.
02-16-2022 at 06:36 AM.
Quote from ElKarl View quoted comment :
Those who mandated it are evil evil people.
cool story bro
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