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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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Deal
Score
+37
150,378 Views
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 2011
Wealthy Saver 4 Life
> bubble2 1,952 Posts
325 Reputation
samHD
02-17-2023 at 07:23 AM.
02-17-2023 at 07:23 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. i pay in full each month. i get the full 2%.
Reply
Joined Jan 2011
Wealthy Saver 4 Life
> bubble2 1,952 Posts
325 Reputation
samHD
02-17-2023 at 07:24 AM.
02-17-2023 at 07:24 AM.
Quote from woodygg :
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.
dude, you couldnt be more wrong. you must be confused with a diff card. The very premise of the card is you get 1% when you charge, and the second 1% when you pay off the charge. And that hasn't changed in the 3-5 (feels like forever) years I've used this card.
Reply
Joined Nov 2010
L9: Master
> bubble2 4,220 Posts
759 Reputation
wealthisachoice
02-17-2023 at 07:38 AM.
02-17-2023 at 07:38 AM.
Quote from mitchflorida :
wells fargo active cash 2 percent and $200 bonus.
Wells Fargo is nice because you get the 2% on purchases and also 15 Months no interest. You can carry a balance and keep your $$$ in the bank earning interest. Only thing I don't like is having to have $25 in rewards to cash it out.
1
Reply
Joined Aug 2009
L10: Grand Master
> bubble2 9,279 Posts
1,102 Reputation
woodygg
02-17-2023 at 08:18 AM.
02-17-2023 at 08:18 AM.
Quote from samHD :
dude, you couldnt be more wrong. you must be confused with a diff card. The very premise of the card is you get 1% when you charge, and the second 1% when you pay off the charge. And that hasn't changed in the 3-5 (feels like forever) years I've used this card.
No really concerned what you think as I confirmed it years ago with Citi directly - and doing the math (that's when I noticed I wasn't getting the amount of rebate I thought I should). That is the way it used to be. Maybe they changed it since. It does appear they have changed it upon reading the contract language.
4
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Last edited by woodygg February 17, 2023 at 08:32 AM.
Joined Jan 2011
Wealthy Saver 4 Life
> bubble2 1,952 Posts
325 Reputation
samHD
02-19-2023 at 12:13 AM.
02-19-2023 at 12:13 AM.
Quote from woodygg :
No really concerned what you think as I confirmed it years ago with Citi directly - and doing the math (that's when I noticed I wasn't getting the amount of rebate I thought I should). That is the way it used to be. Maybe they changed it since. It does appear they have changed it upon reading the contract language.
dude, just go the the largest print front page. it explains it in easy language. and if u dont care what i think, then thank you for replying to a ghost.
1
Reply
Joined Feb 2005
L6: Expert
> bubble2 1,553 Posts
638 Reputation
cruxion
02-21-2023 at 11:23 PM.
02-21-2023 at 11:23 PM.
Quote from hottnucks :
Yes, you can generate virtual numbers with this card

Thank you! I have this card and I literally looked to see if I could create a virtual card with it like 6 hours ago and couldn't find the option so I assumed it wasn't an option. Thanks to your comment I went and looked again and managed to find it this time.
Reply
Joined Jan 2006
L4: Apprentice
> bubble2 403 Posts
88 Reputation
slicksmurf
02-22-2023 at 12:28 AM.
02-22-2023 at 12:28 AM.
Still waiting for a signup bonus again.. any chance for one to come back. :/
Reply

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Joined Nov 2018
L3: Novice
> bubble2 151 Posts
142 Reputation
126466
02-22-2023 at 03:53 PM.
02-22-2023 at 03:53 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?
You get 1% when making purchases and 1% when making payments. does not matter when, i pay mine off every month and never have been charged any interest and no problems with earning the cash back.
1
Reply
Joined Nov 2010
L5: Journeyman
> bubble2 648 Posts
93 Reputation
TopnotchDad
02-23-2023 at 01:00 PM.
02-23-2023 at 01:00 PM.
Quote from cappuccinoman :
You are 100% correct. Beside 2% cash back. There are no other meaningful features. I rarely use this card for the past few years
what do you recommend?
Reply
Joined Nov 2010
L5: Journeyman
> bubble2 648 Posts
93 Reputation
TopnotchDad
02-23-2023 at 01:00 PM.
02-23-2023 at 01:00 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?
how do you exchange? wouldn't you have to keep the one card open and open another card?
Reply
Joined Dec 2013
L7: Teacher (far from it)
> bubble2 9,341 Posts
2,124 Reputation
Pro
doboy007
02-23-2023 at 01:42 PM.
02-23-2023 at 01:42 PM.
Quote from RunForCover :
how do you exchange? wouldn't you have to keep the one card open and open another card?
Haven't done it myself but I think you just call and ask to change it to this card as long as your other card is a Mastercard since this card is MC.
Reply
Joined Dec 2010
L1: Learner
> bubble2 5 Posts
10 Reputation
fasttrack1111
02-25-2023 at 08:43 PM.
02-25-2023 at 08:43 PM.
Quote from summi99 :
What's the minimum credit score required for this card ? Any experiences ?

Yes. The 1% for your payment will post in the next billing cycle along with your spend on that cycle. Hope that makes sense
1
Reply
Joined Oct 2014
L5: Journeyman
> bubble2 833 Posts
181 Reputation
ronder
02-26-2023 at 02:44 PM.
02-26-2023 at 02:44 PM.
Take into account that this card does not give you rental car insurance. They also removed a whole bunch of other perks. Read the fine print.
Reply
Joined Nov 2012
L1: Learner
> bubble2 50 Posts
14 Reputation
Becky_honkington
02-28-2023 at 09:28 AM.
02-28-2023 at 09:28 AM.
Quote from CompulsiveBuyer :
My go-to card when I need online protection since they're one of the few cards left that offer virtual account numbers. The Citi apps makes it easy to create and use them.

Are you able to create VCCs? I havent been able to in about 5 months
Reply

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Joined Apr 2011
L3: Novice
> bubble2 1,198 Posts
530 Reputation
CompulsiveBuyer
02-28-2023 at 09:44 AM.
02-28-2023 at 09:44 AM.
Quote from mlevtzow :
Are you able to create VCCs? I havent been able to in about 5 months
Yep, I just tried it and it still works. I'm using their iPhone app to do it.
Reply
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