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Citi® Double Cash Card: Balance Transfers

0% Intro APR
for 18 Months
+67 Deal Score
259,221 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
+67
259,221 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.

338 Comments

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This comment has been rated as unhelpful by Slickdeals users
Joined Aug 2013
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#31
Say 3% balance transfer, it's not really 0%.
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Joined Sep 2009
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#32
Quote from Obimymygh
:
I received this card in September and in the same mailing was a brochure of all the benefits including extended warranty travel and rental car protection etc along with another page that stated these benefits would be discontinued 3 days later. Canceled the card immediately. Who wants to do a business with a company like that? Not me.

What major card issuing bank hasn't cut benefits on any of their cards in the last year?
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Joined Aug 2006
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#33
This Citi card used to be my main driver but since they cut the benefits I moved to Alliant. Benefits are not that much better (but I believe still include car rental insurance and no foreign transaction fees). The cost is 95 per year but since I spend > 20k a year the extra 0.5 percent of cash back (2.5% total) offsets the annual cost
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Joined Jun 2005
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#34
This is dumb but can I transfer balance from Chase Sapphire Reserve to Chase Slate? Or would I have to transfer to DiscoveryIT instead? I really want to consolidate my credit card balances.
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#35
Quote from drunken cow
:
This is dumb but can I transfer balance from Chase Sapphire Reserve to Chase Slate? Or would I have to transfer to DiscoveryIT instead? I really want to consolidate my credit card balances.

Chase (and most banks AFAIK) don't typically allow balance transfers between 2 cards both issued by them.
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#36
Quote from Knightshade
:
What major card issuing bank hasn't cut benefits on any of their cards in the last year?
I'm actually curious about this too. My go to card is Discover, but am shopping around since they cut all their benefits. Yeah, happened earlier this year so I'm late to the CC shopping game.

I keep seeing this card pop up for recommendations, but really am looking for a card with purchase protection, extended warranty, rental/travel insurance, and cash back. Does this even exist anymore??
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#37
Quote from Knightshade
:
What major card issuing bank hasn't cut benefits on any of their cards in the last year?
My two cards at Capital One and my other at Chase. Extended warranty and rental car insurance is more valuable then the 2% cash back.
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#38
Quote from Obimymygh
:
My two cards at Capital One and my other at Chase. Extended warranty and rental car insurance is more valuable then the 2% cash back.

Chase cut benefits several times in the last year or two- price protection made the biggest headlines but plenty of others too.

Citi was never worth using in comparison for car rental insurance since unlike the better chase cards it was secondary not primary...(in fact nobody elses was worth using in comparison for that reason)

Also Citi still has the best extended warranty in the market- additional 2 years no matter how short the original warranty is...though it's only on some, not all, of their cards.



Not sure if Cap One cut anything since other than the signup bonus most of their cards are kinda crappy rewards-wise compared to the larger issuers.
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#39
Quote from netweaver
:
Another option is the Navy Federal Platinum card - I just got approved a couple weeks ago. The current offer is 12-months 0% interest on balance transfers with no transfer fee. Also, there is no annual fee and my interest rate is 14.37%. You may be able to do better on the APR if your FICO score is higher than mine - the rates range from 7.74%-18.0%.

Also wanted to add that when I have called customer service, the experience has always been excellent. I definitely can't say that about a few others.
Add links to the offers when ever you can???
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#40
Why doesn't this fraud OP put in the BT fee? Scammer trying to get upvotes, how pathetic. Needless to say this garbage post gets a TD.
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#41
Quote from Knightshade
:
Chase cut benefits several times in the last year or two- price protection made the biggest headlines but plenty of others too.

Citi was never worth using in comparison for car rental insurance since unlike the better chase cards it was secondary not primary...(in fact nobody elses was worth using in comparison for that reason)

Also Citi still has the best extended warranty in the market- additional 2 years no matter how short the original warranty is...though it's only on some, not all, of their cards.



Not sure if Cap One cut anything since other than the signup bonus most of their cards are kinda crappy rewards-wise compared to the larger issuers.
Just checked. My Chase Freedom Unlimited, Chase Amazon Prime signature and Capital One Quicksilver have all the benefits you could ask for. Even no foreign transaction fee on the Quicksilver. You have to have excellent credit for these cards but the Citi double cash card had these benefits and then took them away 3 days later is what pissed me off. The lower end cards of course will not have these benefits. I won't get a card with no extended warranty.
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#42
Quote from Obimymygh
:
Just checked. My Chase Freedom Unlimited, Chase Amazon Prime signature and Capital One Quicksilver have all the benefits you could ask for.
No, they don't.

Among the benefits I'd ask for are things like

Price protection. (which nearly everyone has cut in the last year)

Or return protection.

Both of which your Chase card used to have but they were cut

Hence my point that virtually every major card issuer has cut benefits in the last year+, nothing unique to Citi there.

I'd also ask for a good reward rate- which the Quicksilver fails miserably at.


And none of your cards listed offer more than 1 additional year of warranty, some Citi cards (though not this one) still offer 2 additional years.
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#43
Quote from karazi
:
Why doesn't this fraud OP put in the BT fee? Scammer trying to get upvotes, how pathetic. Needless to say this garbage post gets a TD.

OP is a SD staffer. The post is designed to get commissions.
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#44
Quote from diavolo33
:
OP is a SD staffer. The post is designed to get commissions.

I would expect more from a staffer, this post is PURIFIED UNADULTERATED TRASH.
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#45
Quote from Knightshade
:
No, they don't.

Among the benefits I'd ask for are things like

Price protection. (which nearly everyone has cut in the last year)

Or return protection.

Both of which your Chase card used to have but they were cut

Hence my point that virtually every major card issuer has cut benefits in the last year+, nothing unique to Citi there.

I'd also ask for a good reward rate- which the Quicksilver fails miserably at.


And none of your cards listed offer more than 1 additional year of warranty, some Citi cards (though not this one) still offer 2 additional years.
I never considered price protection or return protection a benefit I'd ever use. It's for people who stand in Walmart return lines (losers) returning everything they bought. Or oooh I found a better price over there so give me back the difference. The banks are closing this benefit because it's being abused from the same kinda people who abuse return policies. I don't blame them. Extended warranties and travel protection is another thing and can't be abused by the walmart return line loser type.
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