Earn a $200 bonus plus an incredibly long intro APR on balance transfers with the Citi Double Cash® Card
Fact Checked
Every article we publish is fact-checked by our editors ensuring adherence to the highest standards. All article information is verified against reputable sources and experts in the field.
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2%
Cash Back 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. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
$200
Welcome Bonus Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
0% Intro APR
On Balance Transfers 0% intro APR for 18 months on Balance Transfers, then 19.24% – 29.24% (Variable)
580 – 850*
Recommended Credit Score
Fact Checked
Every article we publish is fact-checked by our editors ensuring adherence to the highest standards. All article information is verified against reputable sources and experts in the field.
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The Citi Double Cash® Card from our partner Citi is our top pick for consumers with fair to excellent credit looking to complete a balance transfer and earn cash back.
Earn 2% Cash Back
The Citi Double Cash® Card offers 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Plus, for a limited time, you will earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. It’s important to note that you will need to pay at least the minimum due on time to earn cash back rewards.
$200 Welcome Bonus
The Citi Double Cash® Card also has an incredible welcome bonus worth $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
The Citi Double Cash® Card is our top pick for cash back & balance transfers.
Do you need some breathing room with your current credit card interest payments?
If so, the Citi Double Cash® Card is a great option that offers a 0% intro APR for 18 months on Balance Transfers. After the introductory period, a 19.24% – 29.24% (Variable) will apply. This incredibly generous intro period makes the Citi Double Cash® Card one of the best available options for balance transfers.
Here’s Why We Love This Card
The Citi Double Cash® Card is an attractive card for those interested in:
- Transferring existing balances
- $0 annual fee
- Earning a top-rated cash back rate on all purchases
- Earning a generous welcome bonus
Interested and want to find out if you’re approved? You could get a decision in 60 seconds or less. Apply Now.
Cash Rewards
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. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
Bonus
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Balance Transfer APR
0% intro APR for 18 months on Balance Transfers, then 19.24% – 29.24% (Variable)
Purchase APR
19.24% – 29.24% (Variable)
Recommended Credit Score
Fair, Good, Excellent 580 – 850*
View All Card Details
Critics’ Overview
If you are looking for an easy to understand, flat rate, cash back credit card that pays an above-average rate of 2% (1% when you buy and 1% as you pay), then this card from Citi (an advertising partner) is a fantastic option for you. There is also a compelling balance transfer intro APR offer and a welcome bonus. Read our in-depth Critical Analysis to learn more.
Balance Transfer APR
0% intro APR for 18 months on Balance Transfers, then 19.24% – 29.24% (Variable)
Purchase APR
19.24% – 29.24% (Variable)
Recommended Credit Score
Fair, Good, Excellent (580 – 850*)
Card Details From Issuer
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 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. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, 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).
Here’s How To Apply
The Citi Double Cash® Card is a great fit for anyone who wants plenty of time to pay down debt without being charged interest payments and earn cash back.
Interested and want to find out if you’re approved? You could get a decision in 60 seconds or less. Apply Now.
We think the Citi Double Cash® Card is tough to beat but if you would like to compare other cash back options we suggest this breakdown of the highest paying cash back cards.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.
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