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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
150,378 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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+37
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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 Jun 2011
L5: Journeyman
> bubble2 626 Posts
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Pro
zcsrs
01-25-2023 at 08:21 AM.
01-25-2023 at 08:21 AM.
Quote from spckandy :
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.

poor me no travel Frown
1
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Joined Dec 2007
L5: Journeyman
> bubble2 764 Posts
181 Reputation
SlickSikh
01-27-2023 at 11:58 AM.
01-27-2023 at 11:58 AM.
Quote from spckandy :
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.
With the Venture X, is it 2% cashback or 2% in points? With the Double Cash, you get 2% cash and don't have to worry about conversions between points and cash.
1
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Joined Jan 2016
L1: Learner
> bubble2 47 Posts
14 Reputation
ChiliDawg78
01-28-2023 at 04:36 AM.
01-28-2023 at 04:36 AM.
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.
Does the PayPal card award 3% if you pay in-person at WalMart via a Paypal app and/or use Paypal in Wal-Mart pay? TIA
Reply
Joined Sep 2022
L2: Beginner
> bubble2 32 Posts
10 Reputation
FakeBro
01-31-2023 at 01:14 AM.
01-31-2023 at 01:14 AM.
Quote from ChiliDawg78 :
Thanks. I was actually trying to finally find a card that I could get 3% at in-person Wal-Mart Neighborhood Market grocery purchases.

It used to work till last mid of last year. But Walmart I frequent replaced their pay terminals and I'm no longer getting 3% now. Not sure if that was just a coincidence. I now have to do pickup orders to get 5% via Walmart Capone cc
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Joined Jan 2016
L1: Learner
> bubble2 47 Posts
14 Reputation
ChiliDawg78
01-31-2023 at 03:13 AM.
01-31-2023 at 03:13 AM.
Quote from FakeBro :
It used to work till last mid of last year. But Walmart I frequent replaced their pay terminals and I'm no longer getting 3% now. Not sure if that was just a coincidence. I now have to do pickup orders to get 5% via Walmart Capone cc
Dang. Were you paying with the Paypal app directly or using WalMart-Pay with Paypal registered as your Walmart payment method?
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Joined Sep 2022
L2: Beginner
> bubble2 32 Posts
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FakeBro
01-31-2023 at 03:15 AM.
01-31-2023 at 03:15 AM.
Quote from ChiliDawg78 :
Dang. Were you paying with the Paypal app directly or using WalMart-Pay with Paypal registered as your Walmart payment method?

Using the PayPal pay via Walmart app.
Reply
Joined Nov 2018
L2: Beginner
> bubble2 27 Posts
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Imperialsilver
02-08-2023 at 09:09 AM.
02-08-2023 at 09:09 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. You get 1% when you run the charge and another 1% (2% total) when you pay it off. I've been using it as my primary card for many years and pay off the balance monthly. I run as utility, some insurance and all groceries and pay off monthly. (Just make sure there is no credit card surcharge where used.) I'm still surprised at how much accumulates in the rewards account annually.
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Joined Oct 2011
L3: Novice
> bubble2 160 Posts
44 Reputation
damoochie
02-13-2023 at 06:40 AM.
02-13-2023 at 06:40 AM.
Quote from ChiliDawg78 :
Thanks. I was actually trying to finally find a card that I could get 3% at in-person Wal-Mart Neighborhood Market grocery purchases.
This is the card I use at Walmart, even on the website since it still funnels through their payment system: https://www.penfed.org/credit-car...wards-visa
It's not exactly 3%, since the point to $$ conversion isn't 1:1, but still more than 2% effective.

Also use it for pay-at-the-pump everywhere.
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Joined May 2007
Quarterback
> bubble2 661 Posts
136 Reputation
Conservative1
02-13-2023 at 08:40 AM.
02-13-2023 at 08:40 AM.
Quote from mitchflorida :
wells fargo active cash 2 percent and $200 bonus.
Phone protection up to $600 and 0% I think for first 15 months APR
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Joined Nov 2012
L4: Apprentice
> bubble2 392 Posts
26 Reputation
jinjin12
02-13-2023 at 05:16 PM.
02-13-2023 at 05:16 PM.
IS there a card with 0% balance trasnfer fee?
Reply
Joined May 2016
L3: Novice
> bubble2 288 Posts
62 Reputation
RCouchh
02-16-2023 at 05:58 PM.
02-16-2023 at 05:58 PM.
Quote from lawrnk :
Wells Fargo active cash is better.
Imagine thinking anything from Wells Fargo is better.
Reply
Joined Oct 2008
L7: Teacher
> bubble2 2,193 Posts
100 Reputation
flightxxx
02-16-2023 at 06:24 PM.
02-16-2023 at 06:24 PM.
Quote from jinjin12 :
IS there a card with 0% balance trasnfer fee?
chase slate runs 0% balance transfer promos time to time
Reply
Joined Aug 2009
L10: Grand Master
> bubble2 9,279 Posts
1,102 Reputation
woodygg
02-17-2023 at 04:09 AM.
02-17-2023 at 04:09 AM.
Quote from Imperialsilver :
Yes. You get 1% when you run the charge and another 1% (2% total) when you pay it off. I've been using it as my primary card for many years and pay off the balance monthly. I run as utility, some insurance and all groceries and pay off monthly. (Just make sure there is no credit card surcharge where used.) I'm still surprised at how much accumulates in the rewards account annually.
Unless they have changed their process - you do not get 1% back if you pay it off immediately. I did that for quite a while until I realized I wasn't getting the extra 1% - I called them and they confirmed. You have to wait to pay it off until they close out the month. That being said as it was a few years ago, maybe they've changed their policy - but I would be surprised if they did as it's one way they take advantage of you.
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Joined Aug 2009
L10: Grand Master
> bubble2 9,279 Posts
1,102 Reputation
woodygg
02-17-2023 at 04:12 AM.
02-17-2023 at 04:12 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?
Unless they've changed their policy over the last few years - no, you do not get the 1% if you pay it off early. I confirmed this with citi at the time. Maybe they've changed their policy however.
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Joined Apr 2014
L4: Apprentice
> bubble2 330 Posts
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eyeofthetiger
02-17-2023 at 05:58 AM.
02-17-2023 at 05:58 AM.
how many citi cards can one own?
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