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Citi® Double Cash Card: Balance Transfers

0% Intro APR
for 18 Months
+83 Deal Score
309,223 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
+83
309,223 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 Aug 2014
Fly Observer
369 Posts
743 Reputation
Pro
#91
Quote from ranibane0309
:
There are only a few options when it comes to 2% cashback and Citi Double cash us probably by far the most known one. It has been a while since Citi offered a sign up bonus on this card last time it was $150. I got targeted by Citi for a $100 sign up but passed up on it in hopes of the $150 bonus but now I am regretting it. You mention another option for 2% flat cashback- the Paypal master card which is good to know. Is there any sign up bonus on this card?
That one is from Synchrony bank, and it ruins PayPal 2% card. Low limit bottom feeder bank with bunch of complains.
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Joined Feb 2011
L3: Novice
230 Posts
56 Reputation
#92
Just keep in mind that they removed some of the benefits as of November of last year, so no more return protection, travel insurance, rental protection, etc.
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Joined Jun 2012
L3: Novice
110 Posts
26 Reputation
#93
I just did a product change from this card to the Rewards plus card after cashing out my last rewards balance. With that card, I can use it for small purchases and the round up feature. The higher percentage I get with my status on my Bank of America cards meant I hardly used this one and it took too long to get to the $25 required to cash out.
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Last edited by Deal-Meister January 5, 2020 at 02:47 PM.
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Joined Aug 2006
L8: Grand Teacher
3,312 Posts
702 Reputation
#94
Quote from passinos
:
2% CB on everything all the time. Easy Card.
$1800+ made so far in 3 years
You're not making anything. You are just spending less. I have this card and for flat 2% no fee with simplicity, even with the death or Price Rewind and other benefits, it's still good.
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Joined Apr 2006
World dominator and rebel
40,028 Posts
4,310 Reputation
#95
Quote from runner0382
:
You're not making anything. You are just spending less. I have this card and for flat 2% no fee with simplicity, even with the death or Price Rewind and other benefits, it's still good.
This card doesn't have fee either
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Joined Dec 2007
L3: Novice
128 Posts
31 Reputation
#96
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."

This always makes me laugh. They could also call it a "fee of either $5 or 3% if you transfer more than $160." but that would be way less misleading.
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Joined Mar 2007
Tonight we dine in hell
5,086 Posts
1,667 Reputation
#97
3% balance transfer fee, not mentioned in OP. Crappy deal. SD wants to make than sweet referral bonus by misguiding you. Thumbs down.
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Joined Dec 2019
L2: Beginner
25 Posts
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#98
DC is Best credit card for cash back and NO fees. The other 'benefits' are cheesy/gimmicky and mostly useless.
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Joined May 2014
L3: Novice
208 Posts
22 Reputation
#99
I use Citi Double Cash Back for large purchases mostly. I think its a good card from Citi. Avoid the travel cards from Citi though, IMO. If you shop through the citi portal, the flights / hotels are more expensive thus its pointless that the points are worth 1.25% more. Plus many hotels are not even listed in their portal.

I also have Discover, Chase Freedom, AMEX Blue and the Chase Sapphire Reserve. This covers everything. Im always getting at LEAST 2% back.
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Joined Jul 2006
L3: Novice
166 Posts
82 Reputation
#100
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.
Citi Simplicity.

21 Months 0% APR on transfers but gotta pay 5% fee for the transfer. You may not like the 5% fee but if you need the extra time you pay the extra fee. It all boils down to how much you want to transfer as well.
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Last edited by dnutz211 January 10, 2020 at 09:11 AM.
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Joined Jul 2006
L3: Novice
166 Posts
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#101
Quote from yamafx4dude
:
I use Citi Double Cash Back for large purchases mostly. I think its a good card from Citi. Avoid the travel cards from Citi though, IMO. If you shop through the citi portal, the flights / hotels are more expensive thus its pointless that the points are worth 1.25% more. Plus many hotels are not even listed in their portal.

I also have Discover, Chase Freedom, AMEX Blue and the Chase Sapphire Reserve. This covers everything. Im always getting at LEAST 2% back.
I have in my wallet at all times

Freedom - This quarter for gas and pay utilities (5% rewards)
Reserve - Dining and travel (EZ Pass, flights, Bus tickets, Lyft/Uber)
AMEX Blue Cash - Supermarket
Freedom Unlimited - Everything else

And for Amazon I have the Amazon chase card so I get 5% rewards. I don't carry that with me though cause there's no need to use it while I'm out and it saves to my account.

I also have the Bonvoy card which carries a 95 yearly fee but that's OK with me. They give me a yearly anniversary free nights stay that alone covers the yearly fee and then some. When I stay at hotels I use exclusively the bonvoy chain of hotels. Last year I used it a lot and in return I'm now gold status. Haven't used it yet with gold status but will see if I get treated any differently. At least now I have late check out and can earn more % points in returns.
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Joined Sep 2009
L10: Grand Master
11,091 Posts
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#102
Quote from yamafx4dude
:
I use Citi Double Cash Back for large purchases mostly.
This was a good plan until recently.

They no longer offer the 24 months extended warranty or return protection though so it's a pretty awful card for big ticket items you care about these things on.



Quote from yamafx4dude
:
I think its a good card from Citi. Avoid the travel cards from Citi though, IMO. If you shop through the citi portal, the flights / hotels are more expensive thus its pointless that the points are worth 1.25% more. Plus many hotels are not even listed in their portal.
If you have the right cards it can still offer good value... for example stacking the 4th night free benefit from Citi Prestige, and the 10% point refund from the Rewards+ card, on top of the 1.25 cent portal value.

Agreed that it can limit your selection- and it's only useful if for bookings where the 4th night free will matter... but we always have at least 2 of those a year (which more than covers the net annual fee on the Prestige anyway)
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Joined Nov 2007
L5: Journeyman
928 Posts
451 Reputation
#103
Quote from SearchingDeals2
:
DC is Best credit card for cash back and NO fees. The other 'benefits' are cheesy/gimmicky and mostly useless.
The USAA limitless 2.5% cashback on all purchases is the best no fee, no hassle cashback card if you can get one. Rumored to be dead for new customers but i have one that still works.
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Joined Sep 2009
L10: Grand Master
11,091 Posts
3,243 Reputation
#104
Quote from rechtien
:
The USAA limitless 2.5% cashback on all purchases is the best no fee, no hassle cashback card if you can get one. Rumored to be dead for new customers but i have one that still works.

Has been dead to new customers for over 2 years now....

https://www.doctorofcredit.com/us...louisiana/


and was only ever available in a fairly short list of specific states, and for a pretty short time.

Awesome if you were lucky enough to get one (and don't travel much- otherwise you're still better off with either a Freedom Unlimited or a Blue for Business Plus depending if you spend more time in the UR or MR ecosystem) but not much help to anybody who doesn't have one.
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Joined May 2014
L3: Novice
100 Posts
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#105
Quote from kensteele
:
i automatically reject any transfer balance offer that contains a fee. it would have to be something like 60 months to get me to pay more than 2%.
What kind of offers do you accept? 5 percent apr ones for 24 months?
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