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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

Slickdeals may be compensated by Citi
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 Aug 2013
L1: Learner
> bubble2 4 Posts
10 Reputation
NateN5996
10-02-2023 at 08:36 PM.
10-02-2023 at 08:36 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?

Yes. I do this
Reply
Joined Oct 2022
L3: Novice
> bubble2 257 Posts
38 Reputation
RedDragon45
10-07-2023 at 06:12 AM.
10-07-2023 at 06:12 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.

Same here, can't beat the PayPal Mastercard!
Reply
Joined Dec 2009
🍁
> bubble2 188 Posts
61 Reputation
bwilson73
10-07-2023 at 09:01 AM.
10-07-2023 at 09:01 AM.
Quote from EfficientMusic474 :
Fidelity Visa is a 2% card with a 1% foreign fee, so you effectively still get 1% back on foreign transactions.

And now Fidelity has lifted the foreign transaction fees.
Reply
Joined Apr 2013
L3: Novice
> bubble2 166 Posts
36 Reputation
je2345
10-12-2023 at 06:15 PM.
10-12-2023 at 06:15 PM.
I prefer my Verizon Visa, if Verizon customer of course. 4% gas & groceries, 3% dining/take-out, 2% Verizon and 1% everything else. No annual fee or foreign transaction fee. PS only CC for Verizon autopay discount too.
1
Reply
Joined Jun 2006
Wow Amazing Slick Deal
> bubble2 1,410 Posts
71 Reputation
mcali786
10-17-2023 at 06:05 PM.
10-17-2023 at 06:05 PM.
Quote from je2345 :
I prefer my Verizon Visa, if Verizon customer of course. 4% gas & groceries, 3% dining/take-out, 2% Verizon and 1% everything else. No annual fee or foreign transaction fee. PS only CC for Verizon autopay discount too.
Dang solid card but not a verizon customer.

I guess this isn't a bad card for 2% cashback on everything but not outside US transactions.


To all: Not sure ifyou've seen the offer sent out of $100 off $500 hotel / airfare purchase it wasn sent out.
Reply
Joined Nov 2019
L5: Journeyman
> bubble2 726 Posts
113 Reputation
jeff44jeff
10-21-2023 at 07:08 PM.
10-21-2023 at 07:08 PM.
I love this card.... unfortunately my card expires at the end of the month and I received a letter saying they have decided to not renew my account. IDK if it's the fact that I always never had to pay any interest by staying ahead of the billing cycle with payments OR if I averaged $100- $150 each month in cash back 😄maybe both. They lost money on my account for over 3 years by collecting no interest and still having to pay me cash back.

I wonder how long after the account expires would they approve an application for a new card. 😄
Reply
Joined Apr 2005
L10: Grand Master
> bubble2 13,061 Posts
4,375 Reputation
Pro
TidalWaveOne
10-22-2023 at 08:48 AM.
10-22-2023 at 08:48 AM.
Quote from jeff44jeff :
I love this card.... unfortunately my card expires at the end of the month and I received a letter saying they have decided to not renew my account. IDK if it's the fact that I always never had to pay any interest by staying ahead of the billing cycle with payments OR if I averaged $100- $150 each month in cash back 😄maybe both. They lost money on my account for over 3 years by collecting no interest and still having to pay me cash back.

I wonder how long after the account expires would they approve an application for a new card. 😄
Wow... that's interesting... but they probably didn't lose as much money as you think because of merchant fees.
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Joined Feb 2023
L2: Beginner
> bubble2 48 Posts
14 Reputation
1rought
10-23-2023 at 07:46 AM.
10-23-2023 at 07:46 AM.
another credit card ..oh wow thanks a lot.
2
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Joined Nov 2015
L1: Learner
> bubble2 10 Posts
10 Reputation
bjraval123
11-04-2023 at 06:10 PM.
11-04-2023 at 06:10 PM.
Do balance transfer for 10k
Pay 300$ fees
Invest in Tbills and make ~800$ over 18 months 😂 easy free money making scheme
Reply
Joined Nov 2015
L1: Learner
> bubble2 10 Posts
10 Reputation
bjraval123
11-04-2023 at 06:12 PM.
11-04-2023 at 06:12 PM.
Quote from cgp061000 :
Probably a dumb question but couldn't you take the money out and put it in a CD for 18 months and then pay the money back?

Totally doable and worth it, been doing that to pay off high interest loans since years

Just ensure that you pay off in time
Reply
Joined Dec 2012
Super$ Green$
> bubble2 273 Posts
51 Reputation
RubyRhod
11-05-2023 at 07:00 AM.
11-05-2023 at 07:00 AM.
Quote from je2345 :
I prefer my Verizon Visa, if Verizon customer of course. 4% gas & groceries, 3% dining/take-out, 2% Verizon and 1% everything else. No annual fee or foreign transaction fee. PS only CC for Verizon autopay discount too.

You sold me on only CC for the Verizon discount. Done and done. Instant approval.
Reply
Joined Jul 2005
L3: Novice
> bubble2 226 Posts
38 Reputation
zba
11-06-2023 at 06:08 AM.
11-06-2023 at 06:08 AM.
Quote from TidalWaveOne :
My condolences.
Costco is going downhill big way. Recently there is nothing worth to buy at Costco.They adding exclusions to their return policy every year. Prices are higher than in many other stores and niow they want to increase membership price.Gas price is lower at Sams in my area . Sams card gives 5 % on gas anyway
2
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Joined Jul 2005
L3: Novice
> bubble2 226 Posts
38 Reputation
zba
11-06-2023 at 06:28 AM.
11-06-2023 at 06:28 AM.
Be awate that Paypal CC may be worthless for you. My card was suspended after 3 w for no reason( suspicious transaction) and I had to call their CS. Part of their verification is checking mobile phone number. . I gave them my Red Pocket phone number and they told me that they can not verify my phone number because they can only verify numbers from real phone company ( Tmobile ATT etc) so there is nothing they can do and card will be suspended forever. Cancelled card next day. Never met so useless CS. They totally do not care - I am sure it will go the same way if any problems
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Joined Apr 2018
L2: Beginner
> bubble2 50 Posts
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CrimsonChin1714
11-12-2023 at 06:52 AM.
11-12-2023 at 06:52 AM.
This is the best credit card, I have been using it for probably 10 years now. The 2% cash is good, but the best benefit is the Virtual Account Number (VAN) feature. I create new card numbers for each online purchase I make. I also create a new number for each recurring payment I make like phone, insurance, water bill basically any online payment portal that has the potential to be hacked. The VANs don't work with Amazon though as once the VAN is used, only that merchant can charge it again and Amazon seems to use a different Merchant number for every purchase I make. Oh, and now you can make them from their phone app, which is awesome as we traveled to Alaska and we could make a new card for each campground we stayed at. You know those places have no computer security at all and probably cannot spell security. Even if I didn't want the 2% I would get this card for the VAN's. I looked at one other VAN card vendor and they had a very poor substitute.
Citi allows you to make cards with expiration dates up to two years out and anything in between that so its perfect for reoccurring bills that some monthly and especially if they vary
each month like our water bill. -Bill
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