The Citi Double Cash APR is 13.99% - 23.99% (V). Double Cash also has an introductory rate of 0% for 18 months, but only on balance transfers. It takes effect as soon as the account opens. Once it expires, the regular APR will apply to any remaining transferred balances.
Double Cash’s regular APR is listed as a range because the specific rate an applicant will receive on approval depends on their income, credit score and other factors. Double Cash does not offer an introductory 0% APR for purchases. This means you’ll always pay interest on purchases at the regular APR unless you pay the statement balance in full by the due date each month.
The regular APR is the card’s most common rate, but there are other APRs to consider. If you use Double Cash for a cash advance, you’ll be charged a flat 26.74% APR. Interest starts to accumulate as soon as you complete the transaction. If you’re late on a payment, Citi may apply a penalty APR up to 29.99%. Late payments may also cause you to lose your introductory APR.
You can avoid Citi Double Cash APRs altogether by staying away from cash advances and paying the entire balance in full – and on time – every month.
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