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Citi® Double Cash Card: Earn 2% on Every Purchase and 0% Intro APR on Balance Transfers for 18 Months

+37 Deal Score
150,524 Views
Citi® is offering 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases and 0% intro APR on Balance Transfers for 18 months with the Citi® Double Cash Card.

Card Details:
• 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 Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.99% - 28.99%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• 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 an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Rates & Fees

Read our review on the Citi® Double Cash Card

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Created 11-15-2022 at 09:34 AM by EfficientGame645
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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.

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Joined Jan 2016
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quantumj67
01-08-2023 at 09:23 AM.
01-08-2023 at 09:23 AM.
Quote from jojodakilla :
This might be a stupid question but I'll ask anyways. You still get 2% even if you pay it off immediately?

Yes, that's correct
Reply
Joined Sep 2020
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OrangeLlama391
01-08-2023 at 11:34 AM.
01-08-2023 at 11:34 AM.
I thought i read a while back that this card removed all its added benefits like Extended warranty, purchase protection, rental car coverage, travel protection etc. that other cards like the Chase Freedom and Costco Citi card comes with standard?

What added benefits does this card come with? (eg. extending the warranty on purchases by 1 year or double the warranty, like a laptop coming with 1 year warranty would extend to 2 years or a bed that has a 4 year warranty would extend to 5 or 8 years? or another example, purchase protection where it covers items you buy past the 30 days return period up to 6 months if they are defective)?
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Joined Nov 2004
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cappuccinoman
01-08-2023 at 12:04 PM.

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01-08-2023 at 12:04 PM.
Quote from OrangeLlama391 :
I thought i read a while back that this card removed all its added benefits like Extended warranty, purchase protection, rental car coverage, travel protection etc. that other cards like the Chase Freedom and Costco Citi card comes with standard?

What added benefits does this card come with? (eg. extending the warranty on purchases by 1 year or double the warranty, like a laptop coming with 1 year warranty would extend to 2 years or a bed that has a 4 year warranty would extend to 5 or 8 years? or another example, purchase protection where it covers items you buy past the 30 days return period up to 6 months if they are defective)?

You are 100% correct. Beside 2% cash back. There are no other meaningful features. I rarely use this card for the past few years
1
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Joined Dec 2013
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> bubble2 9,341 Posts
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doboy007
01-08-2023 at 12:13 PM.
01-08-2023 at 12:13 PM.
I was thinking about exchanging my Citi MC card to this. Can you generate virtual cc numbers with this card too?
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Joined Oct 2010
L2: Beginner
> bubble2 225 Posts
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hottnucks
01-08-2023 at 12:35 PM.
01-08-2023 at 12:35 PM.
Quote from doboy007 :
I was thinking about exchanging my Citi MC card to this. Can you generate virtual cc numbers with this card too?
Yes, you can generate virtual numbers with this card
Reply
Last edited by hottnucks January 8, 2023 at 06:03 PM.
Joined Dec 2013
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doboy007
01-08-2023 at 04:30 PM.
01-08-2023 at 04:30 PM.
Quote from hottnucks :
Yes, you can general virtual numbers with this card
Thanks and repped!
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Joined Jun 2014
L4: Apprentice
> bubble2 429 Posts
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rh71
01-12-2023 at 07:11 PM.
01-12-2023 at 07:11 PM.
Quote from SlickCrowd6832 :
This was my everyday card UNTIL PAYPAL came out with their version. Paypal is 2% cash back PLUS 1% more if you go through paypal online.
You can redeem that cash back for cash transferred into a bank account?
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Joined Jun 2010
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> bubble2 613 Posts
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lawrnk
01-13-2023 at 05:56 PM.
01-13-2023 at 05:56 PM.
Quote from BallsacDeBigBird :
When will it come back? Been checking every so often for this card but haven't seen the bonus for a long time.

Wells Fargo active cash is better.
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Joined Jun 2017
L6: Expert
> bubble2 1,779 Posts
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bestdeal113
01-15-2023 at 10:03 AM.

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01-15-2023 at 10:03 AM.
Quote from lawrnk :
Wells Fargo active cash is better.
I would not wanna deal with WF bank lol. Terrible bank.
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Joined Nov 2016
L1: Learner
> bubble2 9 Posts
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spckandy
01-15-2023 at 04:48 PM.
01-15-2023 at 04:48 PM.
I stopped using this card after getting Capital One Venture X. Venture X has a $395 annual fee, but after annual $300 travel credit and 10k points you effectively get paid $5 a year to have the card. Venture X also has 2% cash back on all purchases, along with many other worthwhile perks.
7
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Joined Dec 2013
L3: Novice
> bubble2 263 Posts
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ebound
01-15-2023 at 06:15 PM.
01-15-2023 at 06:15 PM.
Quote from jojodakilla :
This might be a stupid question but I'll ask anyways. You still get 2% even if you pay it off immediately?
Yes, that's how all of these cash back programs work. So as long as you're paying off your balances each month, it's a good thing to have.
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Joined Sep 2021
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> bubble2 1,294 Posts
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Wyvern1
01-15-2023 at 06:19 PM.
01-15-2023 at 06:19 PM.
when is signup bonus coming back
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Joined Sep 2010
L6: Expert
> bubble2 1,341 Posts
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lady_minx
01-16-2023 at 04:26 PM.
01-16-2023 at 04:26 PM.
This is my primary card. I use it for most things. You can deposit the cash back directly to your bank account, or you can use the points in other ways... I prefer cash Smilie
But, I'm buying something that I'm worried about an extended warranty for, I use one of my chase cards.
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Joined Sep 2010
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> bubble2 1,341 Posts
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lady_minx
01-16-2023 at 04:34 PM.
01-16-2023 at 04:34 PM.
Quote from GoddessParis :
Can the accumulated cash back be transferred for travel points, I.e. mileage or hotel rewards?
You can use the points on Citi's travel site.
https://travel.thankyou.com/

These are the other redemption options:
https://www.thankyou.com/cms/thankyou/mwr.page
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Joined Nov 2012
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> bubble2 50 Posts
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Becky_honkington
01-21-2023 at 07:25 AM.
01-21-2023 at 07:25 AM.
Are any of you having problems trying to generate virtual credit cards with this thing?
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