What is the Citi Double Cash APR?

The Citi Double Cash Card APR is 18.99% - 28.99% (V), based on your overall creditworthiness when you apply. The Citi Double Cash Card also has an introductory interest rate of 0% for 18 months on balance transfers. It takes effect as soon as the account opens. Once the intro rate expires, the regular APR will apply to any remaining transferred balances.

Citi Double Cash Card APRs:

Regular APR: 18.99% - 28.99% (V), based on each approved applicant’s income, debt, and credit score, among other factors. The card’s interest rate is variable, meaning it can change based oncertain economic conditions.

Introductory APR: This card offers a balance transfer intro APR of 0% for 18 months. Each balance transfer is subject to a balance transfer fee of 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer. Once the introductory balance transfer period is over, your remaining balance will accrue interest at the regular APR. There is no introductory rate for purchases. This means interest is paid at the regular APR, unless statement balances are paid in full by each due date. 

Cash advance APR: The cash advance interest rate is 29.99% (V). Cash advances are also subject to a 5% (min $10) cash advance fee. There is no grace period for cash advances, so interest starts to accumulate as soon as you complete the transaction.

Penalty APR: The penalty APR is up to 29.99%. This APR may be applied to your account when making a late payment or for returned payments.

You can avoid Citi Double Cash Card APRs altogether by staying away from cash advances and by always paying the entire balance in full and on time.