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Citi® Double Cash Card: Balance Transfers

0% Intro APR
for 18 Months
+69 Deal Score
259,318 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
+69
259,318 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 Dec 2013
New User
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#46
Not sure why you mentioning chase slate as one offering 0% balance transfer fee, just checked slate offers and all I got is 3% and 4% fee, depending on the length of the transfer.
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Joined Sep 2009
L10: Grand Master
10,862 Posts
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#47
Quote from Obimymygh
:
I never considered price protection or return protection a benefit I'd ever use
Why do you hate free money?

Folks would routinely get money back just for a couple of clicks online with price protection.

No standing in line for anything. In fact it often let you AVOID standing in line because you could buy wherever was easy and get the difference between that and the price the idiot standing in line during black Friday paid.


You seem incredibly proud about having intentionally not gotten yourself a bunch of cash back in your pocket. Maybe you're on the wrong forum? LMAO




Quote from 3axap
:
Not sure why you mentioning chase slate as one offering 0% balance transfer fee, just checked slate offers and all I got is 3% and 4% fee, depending on the length of the transfer.
Not sure what you were looking at.

https://creditcards.chase.com/bal...hase-slate

Quote from Chase.com :
Transfer balances with an introductory fee of $0 during the first 60 days your account is open
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This comment has been rated as unhelpful by Slickdeals users
Joined Nov 2013
L4: Apprentice
1,130 Posts
66 Reputation
#48
Is it possible to transfer balances from a chase to discover card, and then back to chase? I have BT offers for 2 of my cards that allow 0% for a year, but I have a higher limit on one of the cards and could get possibly 0 apr on the Discover.
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Joined Oct 2003
L4: Apprentice
480 Posts
101 Reputation
#49
I've never used a balance transfer card before, how much of a balance are most people being approved for transfer?
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Joined Nov 2018
L2: Beginner
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#50
3% Transfer fee.. Kills the deal for me
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Joined Nov 2014
L3: Novice
291 Posts
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#51
This is a card that you can get good rewards with good spending/paying habits. You will lose your interest free grace period if you carry a balance even if the balance is at 0% APR promotional rate. If you need a card to transfer balance I suggest that you look for a credit union card with no rewards but also low APR
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Joined Nov 2013
L4: Apprentice
370 Posts
31 Reputation
#52
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."
What is the best card with no balance transfer fee and 0% interest for 18 months?
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Joined Feb 2019
L1: Learner
14 Posts
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#53
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.
I would suggest Chase Slate or BoFa card with zero transaction fee. I don't want to prepay my interest via fee. Bad deal but again if you are paying 18% then that is different story.
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Joined Jul 2009
New User
1 Posts
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#54
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.
The Chase slate card has 0% APR for 15 months with zero balance transfer fee
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Joined Aug 2011
L5: Journeyman
949 Posts
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#55
But I have never carried balance in my life...knock on wood.. That is a slick deal
Interest earned... Good... Interest paid... Bad
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Joined Feb 2018
L2: Beginner
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#56
Another option to throw in the mix would be the Fidelity Visa 2% Credit Card. Not sure if there are any balance transfer offers at the moment, but purchases of ANY kind will get you 2% cashback which you can deposit to your bank, but there are also options to direct to any of the cashback towards an investment, a retirement, or a 529 account at Fidelity.com.

Other places to review bonuses and cashback would be hustlermoneyblog.com or Nerdwallet.com
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Last edited by MacGruber77 December 10, 2019 at 09:23 PM.
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Joined Oct 2011
L4: Apprentice
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#57
Quote from Obimymygh
:
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.
Well said.
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Joined Nov 2008
L6: Expert
1,207 Posts
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#58
Quote from Obimymygh
:
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.
Is that you, Hillary Clinton?
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Joined Sep 2012
L1: Learner
167 Posts
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#59
Out of all the credit cards I have had over the last 30 years, this Citi card has been great for our use. Citi has always taken good care of me as a customer. They resolve issues quickly and the rates are great. The cash back is easy to apply to your balance and the card has many other features. They just lowered my rate to 1.99% on purchases until the middle of 2020.
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Joined Oct 2013
L4: Apprentice
396 Posts
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#60
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.
I get more returns on this card than my Chase Freedom on average. For me , their Virtual Card is the biggest selling point.
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