Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 16.99% - 26.99%, 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).
Can't find what you are looking for? Submit your question about Citi® Double Cash Card – 18 month BT offer to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
The Citi Double Cash Card APR is 16.99% - 26.99% (V). Citi Double Cash Card 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.
Here is what you need to know about the Citi Double Cash Card APR:
Regular APR:16.99% - 26.99% (V), based on each approved applicant's income, debt, credit score and other factors. No introductory rate for purchases, which means interest is paid at the regular APR, unless statement balances are paid in full by each due date.
Introductory balance transfer APR: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.
Cash advance APR:28.24% (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: Up to 29.99%. The penalty APR may be applied to your account when making a late payment or making a payment that is returned.
You can avoid Citi Double Cash Card APRs altogether by staying away from cash advances and paying the entire balance in full, and on time, every month.
You can apply for the Citi Double Cash card by phone at 1-800-Citibank (1-800-248-4226), however, you'll have to undergo pretty much the same process as online.
Share your insights and review the Citi® Double Cash Card – 18 month BT offer
5
24%
4
29%
3
25%
2
14%
1
7%
3.5
1,963 reviews
1,963 reviews
What's Your Rating?
Most Recent
Most RecentMost Useful
Review sort
Stephen Quimby @stephenq2
Report Abuse
4 Star Rating
The Citi Double Cash card pays me 2% back on purchases, has no annual fee, and offers other rewards and benefits. I am paid 1% upon making the purchase, and an additional 1% when I pay for the purchase. The annual percentage rate is reasonable, but since I pay back in full every month that's not an issue. Another benefit is Citi's excellent customer service.
show more
show less
Comment
8
7
Asad Zafar @asadz
Report Abuse
5 Star Rating
this is one of my favorite cards! the cashback rewards are great and so is the customer service experience. highly recommended!
show more
show less
Comment
16
10
Ella Lee @epic.ellie
Report Abuse
5 Star Rating
The Citi Double Cash Card is my favorite credit card, not only because it has no annual fee, but also because of the rewards. It is the highest paying reward card out there. I chose this card because of the cash back I can receive, and that there is no fee to use it. You get 2% back on every purchase you make. Can't beat that!
show more
show less
Comment
14
9
Elixir TheEnigma @ElixirTheEnigma
Report Abuse
3 Star Rating
I got my Citi Double Cash Card a few months ago. Initially I was drawn to this card because of the 0% intro rate on purchases and on transfers. There was only a $35 late fee, which seemed fair to me. I have enjoyed having this card, but its nothing special either.
show more
show less
Comment
11
11
Bruce Mcclendon @bruce.mcclendon
Report Abuse
1 Star Rating
I too received the same "prequalified" numbered invitation, and when I formally applied online with the conformation # I was rejected....but what pisses me off the most is that checking my credit score Citi bank looked at my credit TWICE BACK TO BACK-looked once, then looked a second time on the same day! Credit Karma, shows the "hard inquiries" and my score dropped 4 points for each time they inquired. Again, I lost 8 points on my credit score in one day because of the two "hard inquires" made BY Citi! Yes, I was "preapproved" but was rejected and all the while lost valuable points on my credit score because they looked! What kind of business is this that this organization can trick you into such a thing, then let you be punished for their mistakes? Beware Citi cards.........
show more
show less
Comment
25
13
Lewis Garrol @lewisg1
Report Abuse
4 Star Rating
The Citi Double Cash Card is chalk full of rewards and perks for those customers who use the card and make their minimum monthly payments on time. Even if you aren’t always able to do that, the late fees with this card are just not that bad and the interest rate is pretty low, especially for a card that comes with so many bonuses. Another perk of this card is that Citi’s staff is incredibly able and willing to help you understand all your options and also to help rectify any problem that may arise with your card, whether or not it was your fault. Overall this is a very good card.
show more
show less
Comment
14
12
Andrew Frisch @aafrisch11
Report Abuse
5 Star Rating
This card offers 2% everywhere which is stellar. It also has a lot of new security features which protect you against fraud.
show more
show less
Comment
10
7
Bridgett Grigg @bri.l.grigg
Report Abuse
4 Star Rating
The Citi Double Cash Card offers a lot of great rewards. Some of the best include Price Rewind and Citi Private Pass. There are no caps or category restrictions.
Cost:
There is no annual free and a 12.99 to 22.99 percent APR that is subject to your credit rating. Even on the high end of 22.99% this is still not bad considering some of the other cards on the market. There is no over the limit fee. The max late fee is $35 and the max penalty APR is 29.99%. You can get cash advances at a rate of 25.24% APR with a cash advance fee of 5%.
Benefits:
There is a 23 day grace period. You can enjoy a late fee pass on your first late fee too. This is the only card that offers double cash back. You get 1% when you make your purchase and another 1% as you pay for the item. Citi also offers the Citi Private Pass that allows you to purchase tickets to concerts, VIP passes, live shows, and other entertainment. You have access to presale tickets as well. One of the best features is the Price Rewind that will search for a lower price on your purchases for up to 60 days. If a lower price is found you are refunded the difference up to $300. If you've lost your card Citi will replace it, usually within 24 hours, via the Lost Wallet Service. In addition, they provide you with emergency cash subject to your available cash advance limit. The Trip Cancellation and Interruption Protection ensures that if things get in the way of your trip, you may be reimbursed for non–refundable trip expenses, like change fees, up to $1,500 per year. Other features include worldwide car rental insurance, concierge service, identity theft protection, and an extended warranty. If for some reason you need to call, you get to speak to a person instantly without having to wait.
Other Pros and Cons:
The card is lightweight and flexible. It is accepted nearly anywhere and uses a chip (which means you insert it rather than swipe it). On the con side, some of the online features may be a bit on the slow side or difficult to use. Also, the rewards will expire if you don't use your card for a year. You may redeem rewards once you have a minimum of $25. You can redeem cash back for checks, statement credits or gift cards.
The competition:
In comparison to the Capital One Quicksilver the extra .5% cash back rate is better than Capital One's 1.5% cash back rate. Capital One offers a $100 signing bonus that the Citi card does not offer. Which card is actually better would depend on how long the card is being used and how it is being used. When compared to the Fidelity Investment Rewards card the two cards are almost equal. Both offer 2% cash back and neither have a signing bonus. The Citi Double Cash card, however, has less restrictions when using the card. Also, the Fidelity cards rewards run on the American Express network, which may not always be accepted at some locations. The Citi Double Cash card is a Mastercard which is accepted nearly everywhere.
show more
show less
Comment
25
6
+ 1,886 users submitted a rating without writing a full review
Review Citi® Double Cash Card – 18 month BT offer
Expert Thoughts on Citi Double Cash Card
To help people learn more about the Citi Double Cash Card, WalletHub posed the following questions to a panel of experts. You can see who they are and what advice they had to share below.
How can a credit card such as Citi Double Cash, which gives 2X the market average in rewards and has a $0 annual fee, be profitable for the issuer?
Why do you think there aren’t as many advertisements for Citi Double Cash as there are for cards like Chase Freedom Unlimited?
Do you think everyone should have a $0 annual fee cash back credit card?
Do you think we will see a triple-cash card with 3% cash back on all purchases anytime soon?
Tim Kessel Assistant Professor of Business and Finance, School of Business & Entrepreneurship, Dickinson State University Read More
Thomas Rimer Professor in the Department of Finance at Michigan State University, Eli Broad College of Business Read More
Ralph Giraud M.S., Instructor of Professional Practice - Finance, Rutgers University, School of Business - Camden Read More
Edward Jankovic Professor, Commodities and International Business, Emerging Markets Finance, Business Policy & Strategy, University of New Haven Read More
Nick Maeder Assistant Professor of Economics, University of San Diego, School of Business Read More
Paul R. Woodburne Department of Finance, Accountancy, and Economics, Clarion University Read More
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
