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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
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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 Jul 2006
It's a blast...
> bubble2 2,932 Posts
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dr.boyd
03-01-2023 at 04:45 PM.
03-01-2023 at 04:45 PM.
If you use Merrill, you may be better off with the BoA unlimited cash rewards, 2.6% unlimited cash back on all purchases (cb depends on total cash/stock holdings at BoA/Merrill).
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Last edited by dr.boyd March 1, 2023 at 04:47 PM.
Joined Feb 2021
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> bubble2 1,748 Posts
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nyc10036
03-01-2023 at 04:58 PM.
03-01-2023 at 04:58 PM.
Quote from dr.boyd :
If you use Merrill, you may be better off with the BoA unlimited cash rewards, 2.6% unlimited cash back on all purchases (cb depends on total cash/stock holdings at BoA/Merrill).
To get the 75% on credit card bonus, you'd need Platinum Honors which requires $100K with Merrill.

$20K gets you 25% credit card bonus

https://thepointsguy.com/credit-c...s-program/


https://www.bankofamerica.com/pre...dit-cards/

https://www.bankofamerica.com/cre...edit-card/
Reply
Last edited by nyc10036 March 1, 2023 at 05:00 PM.
Joined Jul 2006
It's a blast...
> bubble2 2,932 Posts
1,149 Reputation
dr.boyd
03-04-2023 at 03:09 PM.
03-04-2023 at 03:09 PM.
Quote from nyc10036 :
To get the 75% on credit card bonus, you'd need Platinum Honors which requires $100K with Merrill.

$20K gets you 25% credit card bonus
Yeah, it's a YMMV if you don't have significant investments but once you have that $100k total in your merrill retirement/investment/savings accounts, you get 2.6% on the unlimited cash back everywhere and 5.25% in non-revolving categories (I have one for internet purchases and one for restaurants). I had to move investments from Vanguard but Merrill has all of the Vanguard ETFs so it wasn't a real change.
1
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Joined Feb 2021
L6: Expert
> bubble2 1,748 Posts
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nyc10036
03-04-2023 at 03:13 PM.
03-04-2023 at 03:13 PM.
Quote from dr.boyd :
Yeah, it's a YMMV if you don't have significant investments but once you have that $100k total in your merrill retirement/investment/savings accounts, you get 2.6% on the unlimited cash back everywhere and 5.25% in non-revolving categories (I have one for internet purchases and one for restaurants). I had to move investments from Vanguard but Merrill has all of the Vanguard ETFs so it wasn't a real change.
$100K is not inconsequential.
That's why I posted that people need Platinum Honors to get the 2.6%.
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Joined Jun 2008
L5: Journeyman
> bubble2 780 Posts
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Denigrate
03-11-2023 at 07:48 AM.
03-11-2023 at 07:48 AM.
Quote from arpitha.mamidala01 :
My everyday card... Literally i use this for everything... Its like 2% discount on any purchase for life..
Same.
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Joined Mar 2015
L3: Novice
> bubble2 231 Posts
34 Reputation
WaitWhaat
03-14-2023 at 06:12 PM.
03-14-2023 at 06:12 PM.
Quote from cruxion :
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.

The only issue: if you want to return something bought with virtual CC. Don't think it worth (all) the hassle.
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Joined Nov 2015
L3: Novice
> bubble2 143 Posts
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edroedro
03-15-2023 at 11:08 AM.
03-15-2023 at 11:08 AM.
Quote from WaitWhaat :
The only issue: if you want to return something bought with virtual CC. Don't think it worth (all) the hassle.
I use it when ordering from shady Chinese sites like eneba, cdkeys, AliExpress, etc.
Low cost items where returning is unlikely.
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Joined Mar 2021
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> bubble2 267 Posts
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MadDoraemon
03-16-2023 at 07:50 AM.
03-16-2023 at 07:50 AM.
This is my favorite card to use for purchases and paying bills.
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Joined Sep 2009
L10: Grand Master
> bubble2 15,317 Posts
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Knightshade
03-16-2023 at 08:03 AM.
03-16-2023 at 08:03 AM.
Quote from nyc10036 :
$100K is not inconsequential.
That's why I posted that people need Platinum Honors to get the 2.6%.

FWIW the average retirement account balance for most adults (who actually have retirement accounts) is greater than 100k, so an IRA at Merrill would do it....and as noted you'll generally have the same/similar investment options in the account once you move it over.
1
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Joined Oct 2017
L6: Expert
> bubble2 1,112 Posts
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UKR_12
03-16-2023 at 09:13 PM.
03-16-2023 at 09:13 PM.
Can someone please recommend a card with at least 2% cash back on every purchase with $0 annual and foreign fees? Been rejected with capital one quicksilver for unknown reason so capital one is not an option for me.
1
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Joined Apr 2022
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> bubble2 2 Posts
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EfficientMusic474
03-17-2023 at 06:17 PM.
03-17-2023 at 06:17 PM.
Quote from DubRebellion :
Can someone please recommend a card with at least 2% cash back on every purchase with $0 annual and foreign fees? Been rejected with capital one quicksilver for unknown reason so capital one is not an option for me.

Fidelity Visa is a 2% card with a 1% foreign fee, so you effectively still get 1% back on foreign transactions.
Reply
Joined Jul 2006
L6: Expert
> bubble2 1,204 Posts
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PrincipalMember
03-19-2023 at 08:18 PM.
03-19-2023 at 08:18 PM.
Quote from SlickSikh :
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.
Exactly! That is why I think citI double is better.
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Joined Jul 2006
L6: Expert
> bubble2 1,204 Posts
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PrincipalMember
03-19-2023 at 08:37 PM.
03-19-2023 at 08:37 PM.
My card usage goes like this:

- Discover/Chase freedom for those 5% categories
- Altitude bank visa for Apple Pay/travel purchases. 3% back which is worth 4.5% when used for travel. Works at Costco too.
- Costco card for restaurants when I can't use above - 3%. But also use for Costco gas.
- Citi Double / Capital Venture when I can't use the above
- Amex Hilton for Hilton stays and when credit card warranty is important to me. Also Amex offers.
- Amex platinum / capital Venture for air tickets when getting the 5%.

There was a lady at Costco cashing out her costco citi check - $1800 ish. She was using that card for everything but I think she could have done lot better with some distribution to better rewarding cards for specific purchases.
1
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Joined Apr 2020
L10: Grand Master
> bubble2 8,565 Posts
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SlickCrowd6832
03-22-2023 at 09:43 AM.
03-22-2023 at 09:43 AM.
Quote from PrincipalMember :
Exactly! That is why I think citI double is better.
I use to have this card but I switched it to the PAYPAL Master Card. It gives me 2% on all purchases and if I pay through Paypal and select the credit card then I get 3% cash back.
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Joined Apr 2020
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> bubble2 8,565 Posts
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SlickCrowd6832
03-22-2023 at 09:47 AM.
03-22-2023 at 09:47 AM.
Quote from PrincipalMember :
My card usage goes like this:

- Discover/Chase freedom for those 5% categories
- Altitude bank visa for Apple Pay/travel purchases. 3% back which is worth 4.5% when used for travel. Works at Costco too.
- Costco card for restaurants when I can't use above - 3%. But also use for Costco gas.
- Citi Double / Capital Venture when I can't use the above
- Amex Hilton for Hilton stays and when credit card warranty is important to me. Also Amex offers.
- Amex platinum / capital Venture for air tickets when getting the 5%.

There was a lady at Costco cashing out her costco citi check - $1800 ish. She was using that card for everything but I think she could have done lot better with some distribution to better rewarding cards for specific purchases.
I'm similar....

1. Discover / Chase Freedom
2. 5% cash back on select category from Citi.(wife also has one... we use one for gas and the other for groceries)
3. Business, Chase cash back card, it gives me 5% off my cell phone bill
4. Two Marriott Credit cards which we use for the free rooms each year (both cost about $100 per year)
5. Lastly, I have a PayPal Cash back Master card that gives me 2% cash back and 3% when using PayPal at checkout.

And I am a Platinum Honors Bank of America customer... maybe I should look into this a bit more.
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