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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
150,336 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
150,336 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 Jul 2022
Techie_Review
> bubble2 513 Posts
135 Reputation
techie_review101
06-29-2023 at 08:17 AM.
06-29-2023 at 08:17 AM.
Quote from TidalWaveOne :
What?! No Costco card?!
costco is 45 mins away from me so no costco i have a sams instead
Reply
Joined Apr 2005
L10: Grand Master
> bubble2 13,061 Posts
4,375 Reputation
Pro
TidalWaveOne
06-29-2023 at 08:36 AM.
06-29-2023 at 08:36 AM.
Quote from techie_review101 :
costco is 45 mins away from me so no costco i have a sams instead
My condolences.
2
Reply
Joined Jul 2022
Techie_Review
> bubble2 513 Posts
135 Reputation
techie_review101
06-29-2023 at 08:48 AM.
06-29-2023 at 08:48 AM.
Quote from TidalWaveOne :
My condolences.
i can understand !!! Frown ... they are building a costco 5 miles from me To be completed in 2024 so then ill get costco card heheh
1
Reply
Joined Nov 2008
L6: Expert
> bubble2 1,013 Posts
217 Reputation
Pro
hydrocynus
07-03-2023 at 07:37 AM.
07-03-2023 at 07:37 AM.
I have it and I don't use it much. For % reward, I prefer my other cards that have the 5% cash reward depending on the cycle and use my bank of america that has 3% on all online purchases for anything else. This CITI card is a world elite card but it only offers purchase protection and extended warranty. I prefer Amex or my chase freedom flex card for my this. This card does not offer cell phone protection, trip cancellation, trip interruption, secondary car rental insurance andthere is no welcome offer.

Take the Chase freedom flex world elite card, much better with also a welcome offer.
Reply
Joined Nov 2022
L2: Beginner
> bubble2 38 Posts
10 Reputation
ProudDad2
07-07-2023 at 12:23 AM.
07-07-2023 at 12:23 AM.
Is this card good for balance transfers? I new to that discover has become 💩
1
Reply
Joined Apr 2014
L6: Expert
> bubble2 1,537 Posts
212 Reputation
DayaO
07-11-2023 at 08:19 AM.
07-11-2023 at 08:19 AM.
0% on purchases as well or just BT ? I m looking to spend 15k, about to bite on this...
Reply
Joined Jan 2019
L5: Journeyman
> bubble2 642 Posts
100 Reputation
Chasthunders
07-13-2023 at 05:28 AM.
07-13-2023 at 05:28 AM.
I had this card with a great limit. All of a sudden they lowered my limit by almost half for no reason. Never late payment. Nothing. Called and got not real reason as to why. Dropped my credit score because of this. I locked it and will only use it on rare occasions. Eff Citi
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Joined Apr 2005
L10: Grand Master
> bubble2 13,061 Posts
4,375 Reputation
Pro
TidalWaveOne
07-13-2023 at 08:37 AM.
07-13-2023 at 08:37 AM.
Quote from Chasthunders :
I had this card with a great limit. All of a sudden they lowered my limit by almost half for no reason. Never late payment. Nothing. Called and got not real reason as to why. Dropped my credit score because of this. I locked it and will only use it on rare occasions. Eff Citi
Sometimes they do that to cut their risk I think. Credit card defaults are rising and loan losses are mounting.
1
Reply
Joined Jul 2023
New User
> bubble2 4 Posts
10 Reputation
Lifebuoy
07-14-2023 at 10:18 AM.
07-14-2023 at 10:18 AM.
What are the odds of getting approved with 712 credit score acc to credit karma and already having 8 credit cards including citi rewards+ card and with overall less than 30% credit utilization?
Reply
Joined Aug 2012
L4: Apprentice
> bubble2 495 Posts
54 Reputation
LetsDoSlick
07-17-2023 at 02:47 PM.
07-17-2023 at 02:47 PM.
Quote from Lifebuoy :
What are the odds of getting approved with 712 credit score acc to credit karma and already having 8 credit cards including citi rewards+ card and with overall less than 30% credit utilization?

Be very careful of credit karma. They use vantagescore 3.0. But lenders use other algorithms
such as FICO, making their score not very useful - actually misleading. I had this experience whilst shopping for mortgage. The APR they said I'll get was different by like. 75 percent from what lenders were offering on the basis of a soft pull.

I provided this feedback to ck but just crickets in return. That was a year back.
Reply
Joined Sep 2019
L3: Novice
> bubble2 254 Posts
10 Reputation
HonestCalendar3030
07-24-2023 at 12:35 AM.
07-24-2023 at 12:35 AM.
Quote from pbmpharmacist :
intro bonus was available a few weeks ago, I know because I applied and was denied for having too many cards.

That would not be a reason you get denied… you probably have too high utilization across those cards.
1
Reply
Joined Aug 2016
L2: Beginner
> bubble2 25 Posts
14 Reputation
Teddysm
07-25-2023 at 08:47 PM.
07-25-2023 at 08:47 PM.
This card vs the Wells Fargo counterpart?
Reply
Joined Feb 2017
L2: Beginner
> bubble2 28 Posts
14 Reputation
Nashiq
07-26-2023 at 02:02 PM.
07-26-2023 at 02:02 PM.
Still my favorite card to use after what feels like 20 years.
Reply
Joined Apr 2005
L10: Grand Master
> bubble2 13,061 Posts
4,375 Reputation
Pro
TidalWaveOne
07-28-2023 at 10:23 PM.
07-28-2023 at 10:23 PM.
Quote from Nashiq :
Still my favorite card to use after what feels like 20 years.
This and my citi Costco card are my 2 favorites.
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Joined Oct 2015
L2: Beginner
> bubble2 91 Posts
26 Reputation
austanian
07-30-2023 at 07:52 AM.
07-30-2023 at 07:52 AM.
This card isn't the best for balance transfers as it seems to have an artificially low limit.
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