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Citi® Double Cash Card: Balance Transfers

0% Intro APR
for 18 Months
+81 Deal Score
312,418 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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Deal
Score
+81
312,418 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.

393 Comments

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This comment has been rated as unhelpful by Slickdeals users
Joined Jun 2019
L5: Journeyman
530 Posts
66 Reputation
#331
Whats best card for longterm 0% and also a cash bonus up front? I did chase slate a few years back and got $200 in points after $500 in purchases plus 15 month 0% apr.
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Joined Feb 2010
Spontaneous Shopper
2,651 Posts
887 Reputation
#332
Quote from C.May414
:
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...
That is pretty exactly what they meant. Balance transfer essentially pays off one card and moves the balance to the new card, hopefully for a much better rate for a period of time. In general with CC's you cannot pay a card with another card unless you are doing a cash advance or balance transfer.
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Joined Dec 2007
L10: Grand Master
7,648 Posts
1,638 Reputation
Pro
#333
Quote from RS1985
:
The citi double cash

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Quote from dgodesky
:
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Can one convert a Citi Double Cash to a Citi COSTCO card? Do you have to be on the Double Cash for a certain period before you can product change to the CITI costco? Once you switch to Citi Costco are you stuck in that card forever or can you then product change to another Citi card?
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Joined Sep 2010
L3: Novice
246 Posts
26 Reputation
#334
I am not a big fan of citi anymore. Their customer service went way downhill in the past 2 years. I get transferred and bounced off several employees before my request is fulfilled. Takes a long time on the phone. I have their accelerate savings as well and they have reduced their interest rate to one third of what it used to be all in about one year. Went from 2.8% to 0.9% now. The 2% cash back is nice tho, but if you have any issue with them prepare to be frustrated on the phone.
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Joined Sep 2014
L4: Apprentice
379 Posts
48 Reputation
#335
Had this card for years. Never missed a payment, good way to get 2% discount on everything.


Agree, their customer service blows! Luckily I haven't had to rely much on it.
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Joined Mar 2005
Renaissance Man
3,303 Posts
1,628 Reputation
#336
Citi® Double Cash Card: ~3% Intro APR on Balance Transfers for 18 Months
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Joined Sep 2017
L3: Novice
229 Posts
301 Reputation
#337
I've been using this as my main card for 3 years. Nothing negative to say. No bull happy customer
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Joined Dec 2015
L2: Beginner
70 Posts
68 Reputation
#338
This company has the worst customer service I've ever experienced.
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This comment has been rated as unhelpful by Slickdeals users
Joined Nov 2013
L2: Beginner
38 Posts
10 Reputation
#339
Quote from Knightshade
:
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.
Thanks. Got me excited haha... Only problem is chase no longer offers new applications for the Slate and that offer. Check it out, here's their list of all credit cards and Slate is missing: https://creditcards.chase.com/all...&CELL=60LC
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Joined Mar 2014
New User
11 Posts
10 Reputation
#340
Does anyone know if you can transfer a balance from a credit union personal loan or does it have to be a balance transfer from credit cards only?
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Joined Dec 2007
L3: Novice
158 Posts
316 Reputation
#341
I enrolled this card when it was first introduced. It was awesome. On top of 2% cash back, they had travel benefits, extended warranty, 90 day returns protection and many others... slowly they stripped out all the benefits...and now pretty much bare bones☹️. From my go to card now I use just for grocery or minimal useage...
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Joined Nov 2014
L7: Teacher
2,139 Posts
201 Reputation
#342
Quote from PMR
:
I enrolled this card when it was first introduced. It was awesome. On top of 2% cash back, they had travel benefits, extended warranty, 90 day returns protection and many others... slowly they stripped out all the benefits...and now pretty much bare bones☹️. From my go to card now I use just for grocery or minimal useage...
Any card that have all the benefit that you just listed?
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Joined Dec 2007
L3: Novice
158 Posts
316 Reputation
#343
Quote from ftee123
:
Any card that have all the benefit that you just listed?
I would recommend Costco Visa card with current benefits..has all coverages, but not 2% .. though has 3% at restaurant and for travel and 5% on gas
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Joined Nov 2014
L7: Teacher
2,139 Posts
201 Reputation
#344
Quote from PMR
:
I would recommend Costco Visa card with current benefits..has all coverages, but not 2% .. though has 3% at restaurant and for travel and 5% on gas
I did apply for the costco Citi card
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Joined Dec 2007
L10: Grand Master
7,648 Posts
1,638 Reputation
Pro
#345
Quote from zoshka5
:
I cancelled this card, after they took away all their travel and price protections last month. .
Yes, this card is useless except for the cash back.
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