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Citi® Double Cash Card - 18 month BT offer

Credit needed
Excellent, Good
APR
13.99% - 23.99% (Variable)
Annual Fee
$0

Card Summary

Citi Double Cash Card – 18 Month BT Offer can be a good card to use for daily purchases due to the simple cash back program and absence of annual fees.

The Citi Double Cash Card – 18 Month BT Offer gives you 1% cashback on purchases and an extra 1% when it is paid off.

The Citi Double Cash Card – 18 Month BT offers a 0% annual rate for balance transfers and a sign-up bonus. The variable APR increases to 13.99%-23.99% (Variable) depending on creditworthiness. The card has a balance transfer fee of 3% with a minimum $5 and must be used within the first four months.

The Citi Double Cash Card – 18 Month BT Offer is a simple rewards card that earns you points and offers balance transfers. However, it may not be the right choice for all. This card might not suit you if you aren't able to pay your credit card bills on a regular basis or if you're looking for a card for traveling.

Citi Double Cash Card – 18 Month BT Offer Review: While the Citi Double Cash Card 18 Month BT Offer is a great value, you will need to make payments for your fees if you wish to receive the full 2% cashback.

The pros:

You will earn 1% cashback on all purchases, and 1% when you purchase. Capsule rewards are not allowed. Balance transfer transactions eligible for a 0% introductory APR. Charges no annual fee.

Card Summary - Cons

To earn full benefits, you must pay your fees. Potentially high APR. Offers no sign-up bonus.

It's great for:

Daily purchases.

People who aren't worried about their spending habits.Fee-averse consumers.

This is not the place for:

Customers who fail to pay their credit cards on time.

Customers are looking for big sign up bonuses. Cardholders who have a balance Travel.

Rates and fees

Issuer Name
Citi
Penalty APR
Variable: Up to 29.99%
Credit Needed
Excellent, Good
Balance Transfer Fee
Intro Fee 3% on each transfer (increased to $5 min) within the first four months after account opening. After this, the fee is 5% ($5 min).
Annual Fee
$0
Cash Advance Fee
Cash advances are subject to a 5% cash advance fee; minimum $10
APR
13.99% - 23.99% (Variable)
Foreign Transaction Fee
3%
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The Best Features

Rewards

Sign up bonus

APR Requirements

Drawbacks

Highlights

You can earn 2% for every purchase. Unlimited 1% cashback when you buy and an additional 1% as your pay.

Cashback is possible by paying the minimum amount on time. For 18 months, Balance Transfer only Offer: Zero intro APR for Balance Transfers Based on creditworthiness, variable APRs will range from 13.99% to 23.99%. Cash back is not earned by balance transfers.

Purchases are exempt from the Intro APR.Interest will be charged on balances transferred to other accounts unless your full balance is paid by the due date. An intro balance transfer fee is 3% (minimum $5) for each transfer made within the first four months after account opening.

Your fee for each subsequent transfer will increase to 5% (minimum $5).Based on creditworthiness, the standard variable APR of Citi Flex Plan is between 13.99% and 23.99%. Citi Flex Plan offers may be made at Citi's sole discretion.

Benefits

Comparative Analysis with Other Cards

Citi Double Cash Card or Chase Freedom Unlimited:

Citi Double Cash Card – 18 Month BT Offer vs. Chase Freedom Unlimited

Annual fees: There is no annual fee for either card.

Reward: Citi Double Cash Card – 18 Month BT Offer offers 1% cashback on all purchases, and 1% cashback when you make purchases Chase Freedom Unlimited cards earn 5% cashback on purchases made through Chase Ultimate Rewards. They also offer 3% cash back for dining or drugstore purchases and 1.5% cashback on all purchases.

Sign-up bonus: There is no sign-up bonus for the Citi Double Cash Card – 18-month BT. Chase Freedom Unlimited cardholders receive a $200 bonus if they spend $500 within the first three months of opening an account.

Benefits: Citi Double Cash Card – 18 Month BT Offer offers exclusive access to entertainment tickets, identity theft support, fraud protection, 24/7 customer care, lost wallet service and digital wallet, as well as zero dollar liability for unauthorized charges. Chase Freedom Unlimited cardholders enjoy a range of benefits including no liability protection, purchase protection, and extended warranty protection.

Citi Double Cash Card – 18 Month BT Offer vs. Chase Freedom Flex

Annual fees: There is no annual fee for either card.

Reward: Citi Double Cash Card – 18 Month BT Offer – 1% Cash Back on Every Purchase and an additional 1% when it's Paid Off Chase Freedom Flex Rewards cardholders receive 5% cashback on select bonus categories, such as grocery store purchases or travel through Chase Ultimate Rewards. They also get 3% back for dining out and 1% on any other eligible purchases.

Sign up bonus: The Citi Double cash Card - 18-month BT Offer does not provide a sign-up bonus. After you have spent $500 in the first three months of your account opening, Chase Freedom Flex will give you $200 cash. Earn 5% Cash Back on Groceries (Not including Target, Walmart), and up to $12,000 in your first year.

Benefits: The Citi Double Cash Card – 18 Month BT Offer gives you exclusive access to entertainment tickets, identity theft support, fraud protection, 24/7 customer care, lost wallet service and digital wallet, contactless payment, as well as concierge service.

The Chase Freedom Flex offers purchase protection and cellphone protection when you pay your telephone bill with it. You also get three months free Dash Pass for use with Door Dash or Caviar's food delivery apps. It also provides travel and emergency assistance as well as trip cancellation and interruption insurance.

Citi Double Cash Card - Earn Reward Points - Offer for 18 Months If your account is active, you'll get 1% cashback on all purchases. The Citi Double Cash Card – 18 Month BT Offer Rewards Structure is great for those who do not like tracking earnings.

The card has no annual fees and allows you to keep any cash you earn as long as you do not have a balance or incur interest.

Two parts of rewards are available: 1% for purchases and 1% on payments towards that purchase. You won't be eligible for any reward if you fail to make the minimum payments on time. After your account closes, you also lose any cash earned. This may be an unfavorable rewards system if your payments are slow on credit cards.

Register Now to Get a Sign Up Bonus The Citi Double Cash Card – 18 Month BT Offer does not offer a sign up bonus, unlike many cashback cards. Citi Double Cash Card - Earn Rewards - Offer 18 Months BT Cardholders have the option to redeem their rewards in the form of a check or a statement credit on your Citi Double Cash Card – 18-month BT offer.

You can also use it as a credit towards a Citi checking or savings account or an account that you have paid a Citi credit or debit card bill at least twice. You must have a minimum cash reward balance of $25 to be eligible for any of these.

Citi offers Thank You Points for as low as $1 cash rewards. Thank You points can be used to purchase gift cards from major brands online or in person at Amazon.com partners like Amazon.com to make charitable donations, repay student loans or mortgages, and to pay for statement credits. Visit thankyou.com to learn more about the redemption options for Thank You Points.

What is the APR for Citi Double Cash Card - 18 Month BT Offer?

Citi Double Cash Card – 18 Month BT Offer offers 0% introductory APR for balance transfer transfers For 18 months, you won't pay interest on balance transfers.

Based on creditworthiness, the APR for transferred balances will range from 13.99% to 23.99% (variable).Citi Double Cash Card – 18 Month BT Offer - If you are looking for a way to repay other credit card debts, this Citi Double cash Card - 18 Month BT deal can work well.

As long as you make your payments in the 18-month 0% interest period, and you don't buy any additional purchases that you cannot pay each month, you will be able to get rid of the balance. You will begin accruing interest if you don't pay the balance in full.

How much does the Citi Double Cash Card – 18-month BT deal cost?

Transfer fee for balance: Balance transfers are charged at 3%, plus a minimum of $5, provided that the transfer was completed within four months from account opening. It's then 5%, plus a $5 minimum, for each transfer after that.

For each foreign transaction, a 3% fee is charged.

Cash advance fees: $10 or 5% depending on the cash advance amount.

Penalty fee for late or returned payments: Up to $40.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

Do You Need a Citi Double-Cash Card - 18 Month BT Offer?

If you are:

You want to skip paying an annual charge.
Balance transfer promotions at 0% APR.
You don't have to be concerned about the tracking of rewards.Earn cashback on every purchase.
Each month, pay your balance in full.
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No late fees. Reduced interest charges. Pay off

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