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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
150,560 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
150,560 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 2018
L6: Expert
> bubble2 1,120 Posts
346 Reputation
Pro
jdsteel7
07-30-2023 at 11:28 PM.
07-30-2023 at 11:28 PM.
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%.

I used to juggle that many cards around but it does get exhausting having to keep track of which cards give which bonuses, especially for the quarterly ones. Right now I'm trying to limit the number of cards in my wallet and pretty much just use the Wells Fargo Signature Visa because it has a pretty generous 3% CB on most of the categories I use (except groceries), plus since it's a Visa it works at Costco (where I get most of my groceries anyway). I still do use my Chase Freedom/Discover for when they have 5% back on gas/groceries/Apple pay.

I do have this Citi Double Cash and use it sometimes but I mostly got it for the Amazon pay with points promotions they run occasionally (usually around the holidays). 10/20/30/40% off with using 1 Citi point (always YMMV though).
Reply
Joined Sep 2010
L8: Grand Teacher
> bubble2 3,949 Posts
854 Reputation
pbmpharmacist
08-03-2023 at 05:35 PM.
08-03-2023 at 05:35 PM.
Quote from HonestCalendar3030 :
That would not be a reason you get denied… you probably have too high utilization across those cards.
nah, my utilization is super low. More like "too many cards in too short of a time"
Reply
Joined Sep 2014
New User
> bubble2 2 Posts
10 Reputation
anupsth
08-03-2023 at 10:19 PM.
08-03-2023 at 10:19 PM.
Quote from techie_review101 :
my wallet consists of the following:

Citi double cash for 2%
Apple pay for 2%
Discover (5% rotating)
Chase Flex (5% rotating)
Amazon Prime (5% back on amazon purchases)
Target (5% at target only)

You don't need to keep Target and Amazon card in wallet, save them in app.
Reply
Joined Jul 2022
Techie_Review
> bubble2 513 Posts
135 Reputation
techie_review101
08-04-2023 at 05:58 AM.
08-04-2023 at 05:58 AM.
Quote from anupsth :
You don't need to keep Target and Amazon card in wallet, save them in app.

I don't keep them with me, yes they are saved in the app, the only 4 I carry with me Citi, discover, chase and my DL
Reply
Joined Aug 2011
L5: Journeyman
> bubble2 506 Posts
62 Reputation
JCreazy
08-15-2023 at 06:07 PM.
08-15-2023 at 06:07 PM.
I just got denied for this card and my credit score is 801. Citi must be tough.
Reply
Joined Apr 2005
L10: Grand Master
> bubble2 13,064 Posts
4,375 Reputation
Pro
TidalWaveOne
08-16-2023 at 08:10 AM.
08-16-2023 at 08:10 AM.
Quote from JCreazy :
I just got denied for this card and my credit score is 801. Citi must be tough.
Or there is another reason aside from credit score.
Reply
Joined Aug 2011
L5: Journeyman
> bubble2 506 Posts
62 Reputation
JCreazy
08-16-2023 at 08:14 AM.
08-16-2023 at 08:14 AM.
Quote from TidalWaveOne :
Or there is another reason aside from credit score.

Yeah, it said too many recent inquiries. There are none. Oh well.
Reply

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Joined Oct 2015
L2: Beginner
> bubble2 91 Posts
26 Reputation
austanian
08-18-2023 at 03:37 PM.
08-18-2023 at 03:37 PM.
This card has artificially low balances. If you are getting it for the 0% transfer purposes there are better options.
Reply
Joined Jan 2007
EEEEZZZZZ
> bubble2 8,142 Posts
1,035 Reputation
dadab
08-26-2023 at 10:24 AM.
08-26-2023 at 10:24 AM.
Any easy way to convert premier to this card? Annual renewal is coming up and don't think it's worth $95 fee. Called once and was shot down saying, I don't have any offer on my account to downgrade. TIA.
Reply
Joined Dec 2012
New User
> bubble2 1 Posts
10 Reputation
seeker007
08-27-2023 at 12:27 PM.
08-27-2023 at 12:27 PM.
I use Alliant bank Visa card 2.5% flat cash back

I have setup a recurring deposit to Alliant savings each month, have a 1000$ account balance to meet the requirements of 2.5%
Reply
Joined Jan 2006
L5: Journeyman
> bubble2 574 Posts
46 Reputation
catman17
08-27-2023 at 02:58 PM.
08-27-2023 at 02:58 PM.
Quote from rh71 :
Looks like it's only Jan - Mar that it applies for groceries? https://creditcards.chase.com/cas...eedom/flex

Or is it like the Citi Custom Cash℠ Card where your top spend category would activate it for that category each quarter (like only groceries each quarter).?

I'm just trying to find if anything is better than Amex Blue Cash Preferred for 6% groceries until $6k = $360 1st year (2nd year is $95 annual fee = $265 reward) cash back per year on groceries. It basically comes out to about 4.5% cash back on groceries. But it's $6k max. For your card if it's only Jan-Mar, can't spend $6k in groceries in 3 months.

I use AMEX preferred for groceries and love it!
Reply
Joined Nov 2019
L5: Journeyman
> bubble2 726 Posts
113 Reputation
jeff44jeff
08-31-2023 at 10:19 AM.
08-31-2023 at 10:19 AM.
My favorite credit card. There's probably better options but I use this daily as my primary card.
Reply
Joined Mar 2004
L6: Expert
> bubble2 1,634 Posts
202 Reputation
Bobloadmire
09-01-2023 at 05:15 PM.
09-01-2023 at 05:15 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.

Doesn't matter, there's a million cards like this that have bonuses.
Reply
Joined Nov 2019
L2: Beginner
> bubble2 67 Posts
30 Reputation
Dice76
09-03-2023 at 03:54 PM.
09-03-2023 at 03:54 PM.
Quote from borntooslow :
Customer Service is horrible. Pray you never have fraud on this card. They will fight you

Someone used my Citi double cash on Wayfair and placed $4k in expenses about 2 months ago.

Called and got $2k immediately waved, the other $2k took about a week to get sorted because items were still in transit.

Citi reps didn't speak the most clear english but it all got covered eventually with little hassle.
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Joined Dec 2017
New User
> bubble2 8 Posts
10 Reputation
brandon311421
09-22-2023 at 11:51 AM.
09-22-2023 at 11:51 AM.
Word of caution, could just be me but I got this card last year and recently noticed that they have been charging me interest for several months, even though I'm within the promo period. They are looking into it.
Reply
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