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Citi® Double Cash Card: Balance Transfers

0% Intro APR
for 18 Months
+166 Deal Score
586,473 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 March 1, 2021 at 09:45 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
+166
586,473 Views
0% Intro APR
Questions & Answers BETA
Duko asked this question on 12-19-2020 at 05:16 PM
01-14-2021 at 08:30 AM
Yes, he can apply for the card. But he won't be approved.
04-04-2021 at 09:25 AM
May work if the have a co-signer.
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.

596 Comments

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This comment has been rated as unhelpful by Slickdeals users
Joined Nov 2005
L6: Expert
1,373 Posts
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#556
I have both IHG mastercards and AMEX blue cash preferred as my paid cards. The free hotel nights cover IHG's fee and 6% cb on groceries and streaming services cover the AMEX fee. My everyday cards are discover IT for the rotating 5%, Capital One Savor for restaurants and Citi DC for everything else. I do have a few others but those are my primary/main ones. Though, I never use the IHG cards, I only have those for the perks.
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Joined Jun 2006
Wow Amazing Slick Deal
542 Posts
51 Reputation
#557
Quote from coolmann :
Yep, same. Barclay, Slate and currently at the end of a BoA promo, that's why I'm looking for a new one. I found out that Slate is still available at the branch, I had to schedule an appointment with someone to get it done.
May I ask what is the slate offer at the branch?

Also what other cards do you know of that are offering 10-18 months 0% BT/Cash advance?
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Joined Jun 2006
Wow Amazing Slick Deal
542 Posts
51 Reputation
#558
Quote from Galen_Erso :
Was just looking for a card that I can make a major purchase on (or xfer the balance to) that had longest 0% APR, best cashback (good to have), and other perks

This citi card is on my short list

Discover it (3% fee on xfers, 0% apr for 14 months xfers and purchases, dollar for dollar annual rewards match, good rewards program)

US BANK visa platinum has 20 months 0% APR

Citi diamond preferred 18 months 0% apr on purchases and xfers
Thanks Galen, appreciate your write-up, gave you reps. I was looking for these longer 0% apr, it looks like everyone is charging min 3% BT fee that's how they can atleast make money.

BTW - Citi card sent my folks an offer, flexi loan where it's use your full credit limit and take a loan out at 6.95% up to 60 months (not bad if you have something high interest card)
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Joined Aug 2009
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#559
Quote from mcali786 :
May I ask what is the slate offer at the branch?

Also what other cards do you know of that are offering 10-18 months 0% BT/Cash advance?
15 months no interest on balance transfers and no balance transfer fee
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Joined Jan 2015
L4: Apprentice
349 Posts
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#560
Quote from coolmann :
15 months no interest on balance transfers and no balance transfer fee
Chase slate gives low credit limit like only around 5K, I help a friend get out of debt with Slate & Citi double.
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Joined Nov 2009
L7: Teacher
2,548 Posts
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#561
Man citi hasn't allowed a credit increase on ours.. yet I was able to get a discover last night 🤷 ♂️
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#562
Citi is now allowing people to deposit the Balance Transfer directly into their checking account. At least on my two accounts.
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Joined Nov 2007
L6: Expert
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#563
Quote from mcali786 :
Thanks Galen, appreciate your write-up, gave you reps. I was looking for these longer 0% apr, it looks like everyone is charging min 3% BT fee that's how they can atleast make money.

BTW - Citi card sent my folks an offer, flexi loan where it's use your full credit limit and take a loan out at 6.95% up to 60 months (not bad if you have something high interest card)
Except them you tend to reload the card again with debt. Slippery slope for sure.
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Joined Apr 2015
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#564
i don't get it, where the slickdeal in this? isn't this their standard benefits?
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Joined Feb 2014
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#565
Can I use it for direct deposit to my check in account?
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Joined Nov 2018
L2: Beginner
44 Posts
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#566
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.
Yeah normally I get $20000 credit lines on new cards but Chase slate only gave me 5000 and this was 5 years ago so after my promo ended I transferred to Navy fed 0 for 12 mos and the slate just sits ther bugging me but I'm afraid to close it and decline my credit score haha you got it right though the Slate is a worthless card haven't made me a similar bal transfer offer in 5 yrs now they want 5%
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Joined Nov 2018
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#567
I also read that JP Morgan is closing all its Chase products
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Joined Dec 2012
L6: Expert
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#568
Quote from Farmeroak :
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."
Are there any without a fee and with 0%?
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Joined Dec 2012
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#569
Quote from mitchflorida :
Citi is now allowing people to deposit the Balance Transfer directly into their checking account. At least on my two accounts.
I think capital one allows car loans to be paid like that, almost like a reimbursement, anyone know?
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#570
Quote from fiveohfour :
Are there any without a fee and with 0%?
There are a few Credit Unions that will give you zero interest and no fees but for only 6 months. I need $15000 CL and I doubt they would give me that. Not worth applying for me.

BofA is now allowing people to deposit the loan amount directly into their checking account.
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Last edited by mitchflorida March 15, 2021 at 08:51 AM.
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