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Citi® Double Cash Card: Balance Transfers

0% Intro APR
for 18 Months
+69 Deal Score
263,349 Views
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. Thanks Jess96

Card Features:
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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Edited April 17, 2020 at 09:25 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:
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.


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Created 11-05-2019 at 11:31 AM by Jess96
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+69
263,349 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.

341 Comments

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This comment has been rated as unhelpful by Slickdeals users
Joined Sep 2014
L4
498 Posts
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#316
Quote from dravid
:
Can you convert/product change Citi Double Cash to Citi Costco Visa?
Not sure about that. I've never tried to product change an affiliate card.
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Joined Sep 2014
L4
498 Posts
94 Reputation
#317
Quote from dravid
:
How can you effectively get 2 points for $1 spend? Explain

>>>If you travel and know the tricks about redeeming points for airline tickets, then this is kind of a game changer.

Care to elaborate?
The citi double cash earns 2% cash back. If you also have the Citi Premier or Prestige card, the cash back can instead be converted into Thank You points. By doing that, the conversion ends up being 2 Thank you points for every dollar spent.

>>>The world of airline point redemptions gets very complicated. Too much so to explain here.
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Joined Dec 2007
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#318
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Joined Aug 2005
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525 Posts
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#319
Quote from FabulousOstrich1300
:
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.
For each their own. The 1.3 cents per or similar value is just the air and hotel redemptions on points and miles but don't overlook that air and hotel cards deliver a lot of other tangible and intangible perks and benefits that can double to quadruple the dollars spent value.
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Joined Nov 2011
L1: Learner
6 Posts
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#320
Quote from dravid
:
Can you convert/product change Citi Double Cash to Citi Costco Visa?
Yes you can. It takes up to 1-2 billing cycles to convert
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Joined Sep 2009
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#321
Quote from dgodesky
:
For each their own. The 1.3 cents per or similar value is just the air and hotel redemptions on points and miles but don't overlook that air and hotel cards deliver a lot of other tangible and intangible perks and benefits that can double to quadruple the dollars spent value.

It's exceedingly rare any airline or hotel card offers reward rates that make putting any spend at all on them worthwhile apart from signup bonuses or offsetting annual credits.

Certainly some offer OTHER perks that can make keeping them or even paying an annual fee on them worthwhile.... but rewards for normal spending usually isn't one of em compared to other cards.
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Joined Dec 2007
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#322
Quote from ekb_13
:
Yes you can. It takes up to 1-2 billing cycles to convert
Good to know. They wouldn't allow be to convert Citi Simplicity card to COSTCO Visa. I guess once I convert to Double Cash, I can make the change. Is there a minimum time you need to hold on to Double Cash (e.g., 1 month, or 6 months or 12 months) before one can change it to the COSTCO Visa? Also, once you change to COSTCO Visa, I heard that you can't switch it back to another Citi card. Is that true?
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Joined Nov 2016
L1: Learner
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#323
This used to be my primary card before Citi deleted the benefits like price protection and extended warranties.
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Joined Mar 2016
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#324
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.
My experience has been about the same between the two but when I got this card last year, they only gave me a $3000 limit...whereas my last two chase cards in the past few years gave me over $15k (combined). My Disney card and Amazon card have over $20k between them and my citi diamond is $31k.

Chase will shift credit lines if you request it, citi has denied me the ability to shift available credit from that diamond card to my double cash.
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Joined Sep 2016
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#325
Quote from devinlwoods
:
My experience has been about the same between the two but when I got this card last year, they only gave me a $3000 limit...whereas my last two chase cards in the past few years gave me over $15k (combined). My Disney card and Amazon card have over $20k between them and my citi diamond is $31k.

Chase will shift credit lines if you request it, citi has denied me the ability to shift available credit from that diamond card to my double cash.
Same here, weird. I have four, 10k credit lines USAA, Apple Card 9k, and I applied for costco and gave me 8k. I applied for this and it gave me 3k. No big deal whatever. but its going to be my main card now,

costco card for costco
Apple Card for apple/online apple pay
citi DB everything I use the physical card for.

Wish they had opening rewards etc.
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Joined Aug 2005
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525 Posts
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#326
Quote from Knightshade
:
It's exceedingly rare any airline or hotel card offers reward rates that make putting any spend at all on them worthwhile apart from signup bonuses or offsetting annual credits.

Certainly some offer OTHER perks that can make keeping them or even paying an annual fee on them worthwhile.... but rewards for normal spending usually isn't one of em compared to other cards.
Likely we all get offers based on the banks' metrics; for me, I get frequent reward rates from all of my Chase and AMEX hotel and airline cards. Setting aside the huge bonus earning rates this year for Covid (e.g., 10X for grocery, gas and restaurant), my Chase United, Hyatt, and Southwest have for years been sending me many bonus offers based on gross spending. For example ended 8/31, United card bonus was 2500 miles on top of earnings for $3,975 spending from July 1 - Aug 31. I've received these types of offers for all of the 4+ years I've had the card. Add to that half of my spending is via the UnitedX app with the United portal where gift card spending gets me 25% bonus on earned miles, it's not unusual for a purchase that I'd make anyway to give me 10X on the portal, 3X on the gift card, and 1X on the cc for 14X miles plus a 25% bonus on the gift card for about 15X miles per dollar spent. Leverage that with super saver miles for first class seats and we're getting $6000 airfare seats for 56k miles = $0.107 per mile value. Yes, pre-covid but pricing like that is coming back bet on it. Hotel cards come up with offers too, and the retention offers this year I've pulled in 20k miles and points three times when AF came due. So if you work the hobby hard enough, it does pay well and can pay far better than cash back and similar cards; but they all have value.
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Joined Apr 2014
L1: Learner
11 Posts
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#327
Does anyone know what would the minimum credit score your required to get approved for this card?
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Joined Sep 2017
L2: Beginner
73 Posts
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#328
One important thing with these 0% APR BT:

DO NOT MAKE A PURCHASE WITH IT WHEN YOU STILL CARRY BALANCE.

Leaned it the hard way.
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Joined Jul 2007
L3: Novice
202 Posts
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#329
Quote from SorrowNightshade
:
got approved for the Costco Citi card a week ago, decided to try for this too. got denied, but I called and found out its because experien was locked, reapplied only gave me 3k limit. surprising but it is what it is.

is there a thing as too many cards open? I have 4 USAA, 1 Apple Card, 1 Citi Costco, and now 1 citi double cash back.
Quote from SorrowNightshade
:
Same here, weird. I have four, 10k credit lines USAA, Apple Card 9k, and I applied for costco and gave me 8k. I applied for this and it gave me 3k. No big deal whatever. but its going to be my main card now,

costco card for costco
Apple Card for apple/online apple pay
citi DB everything I use the physical card for.

Wish they had opening rewards etc.
Quote from devinlwoods
:
My experience has been about the same between the two but when I got this card last year, they only gave me a $3000 limit...whereas my last two chase cards in the past few years gave me over $15k (combined). My Disney card and Amazon card have over $20k between them and my citi diamond is $31k.

Chase will shift credit lines if you request it, citi has denied me the ability to shift available credit from that diamond card to my double cash.
Credit score 780 at time of hard pull. Was looking to BT 12K over to this Citi account. Like SorrowNightshade & devinlwoods, approved for 3K...
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Last edited by ooyler September 17, 2020 at 11:00 AM.

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Joined Oct 2019
L3: Novice
172 Posts
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#330
Quote from Modxplus
:
Needed a balance transfer option for an outstanding balance on a CC. Any better options out there? Seems like 18 months and 3% is pretty much as good as it gets.
Ok my dumbass is about to get made fun of..
Do u mean to use this to pay off another card? Can you not pay off one credit card with another, or is it totally over my head what you meant lol sorry...
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