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Apply online for Citi® Double Cash Card - 18 month BT offerSponsored card
About Our Ratings
Credit Needed
Excellent/Good

Citi® Double Cash Card - 18 month BT offer Review

Pros & Cons

  • Earn cash back twice on every purchase with 1 percent cash back when you buy plus 1 percent cash back as you pay for those purchases.
  • Winner of CardRatings 2017 Editor's Choice Award for Best Flat-Rate Cash-Back Card.
  • Combines robust rewards with a lengthy 18-month 0 percent intro APR offer on balance transfers.
  • Savvy shoppers willing to employ a little more strategy might prefer cards with rotating bonus categories such as Discover it® - Cashback Match™ which offers 5% cash back bonus categories quarterly, and will match your cash back at the end of the first year – which can mean up to 10% cash back.

Top Features

Cashback on Gas
1% When You Buy, 1% As You Pay
Cashback on groceries
1% When You Buy, 1% As You Pay
Cashback on other
1% When You Buy, 1% As You Pay
Annual Fee
$0*

Full Review

Curtis Arnold Editor-in-chief

Citi® Double Cash Card – 18 Month BT Offer Card Essentials

Citi is CardRatings.com advertiser

Are you good about paying off your credit card balance each month? If you answered yes, Citi® Double Cash Card - 18 month BT offer might be appealing to you. If you have excellent or good credit, this 2017 CardRatings Editor's Choice winner for Best Flat-Rate Cash-Back credit card could change the way you think about earning rewards too.

Citi® Double Cash Card - 18 month BT offer offers:

  • 1 percent cash back on every purchase you make
  • 1 percent cash back as you pay the balance
  • No annual fee
  • 0 percent introductory balance transfer APR for first 18 months

Often times, 0 percent APR introductory offers are limited to one year or less. Citi® Double Cash Card - 18 month BT offer offers a generous 18-month grace period for balance transfers, which is good if you have a major purchase on the horizon and making payments slowly is your plan.

Citi® Double Cash Card – 18 month BT offer is the only card that earns you cash back twice on every purchase – 1 percent cash back when you buy and 1 percent cash back as you pay for those purchases (whether you pay your balance in full or over time). The double cash angle is a different structure than most reward cards on the market, which makes card holders think differently about the way points can be accumulated.

Citi® is making this rewards card attractive for frequent shoppers by launching its new Citi® Price Rewind program. Cardholders shop, and Citi® searches for a lower price than the one you got. If the same item is found at retailers' sites within 60 days, you can be refunded the price difference up to $300 per item, and up to $1,200 per year.

What Our Editors Like Most about Citi® Double Cash Card - 18 month BT offer

The bonus categories on the Citi® Double Cash Card – 18 month BT offer card are not restricted, and rebates have no caps. This cash-back rewards card is good for high value on-going rewards – the more you spend, the more you earn. The categories aren’t rotating either, so knowing exactly what your reward points may be redeemed for, at all times, is subjectively an important feature.

Receiving rewards points for purchases and payment on accounts is a great incentive to pay off your balance each month. Any time a credit card company can promote smart credit card habits, it’s a win.

Most credit cards within the cash back category have, at most, a 12-month introductory offer of 0 percent APR – Citi® Double Cash Card - 18 month BT offer offers 18 months on balance transfers, which is pretty generous. If you have a major purchase on the horizon that would be easier to pay off in smaller increments, the extended balance transfer intro will be appealing.

Potential downsides

There is a balance transfer fee, so if you’re looking to skirt interest from another card with the introductory 0 percent APR program, be aware that there will be a $5 or 3 percent charge, whichever is greater. If you're looking for a 0% intro APR on balance transfers for 15 months and a $0 intro fee on transfers made within 60 days of account opening, you may want to consider Chase Slate®, which has no balance transfer fee and is offering 0% on balances transferred within the first 60 days for 15 months.

If you don’t pay your bill in full each month, the rewards will be overshadowed by the relatively high APR.

This card is not great for traveling abroad. Although there are perks like worldwide car rental insurance, and trip cancellation and interruption protection, most of the card highlights are U.S. specific. There is also a 3 percent foreign purchase transaction fee. If you’re a frequent travel but love the double cash concept, securing an additional card might make sense.

How Citi® Double Cash Card – 18 Month BT Offer® Compares to Other Cash Back Cards

Citi® Double Cash Card vs. Discover it® - Cashback Match™

Discover it® - Cashback Match™ puts up a mighty fight with its cash-back features. Each quarter, the Discover it® - Cashback Match™ offers 5 percent cash back on select categories, and 1 percent back on all other purchases. If the categories Discover features fit within your typical purchases, the 5 percent cash back may save you some serious cash. If the categories aren’t within your spending pattern, the 1 percent on purchases and 1 percent as you pay from Citi® Double Cash Card – 18 month BT offer may be a better deal.

Citi® Double Cash Card – 18 month BT offer vs. Chase Freedom®

The Citi® Double Cash Card – 18 month BT offer provides you with 18 months of 0 percent APR on balance transfers; whereas, Chase Freedom® touts a 0 percent intro APR on balance transfers for 15 months, though the Chase Freedom also offers 0 percent APR on purchases for 15 months. If you keep up with rotating categories well, the 5 percent cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate with Chase Freedom® is attractive. If you like unlimited rewards, without tracking rotating categories, Citi® Double Cash Card – 18 month BT offer might be an easier solution. Chase Freedom® is offering a sign up bonus: Get a $150 bonus after spending $500 on purchases in your first 3 months from account opening. Citi® Double Cash Card – 18 month BT offer relies on its simple cash back structure to be the deal closer.

Citi® Double Cash Card – 18 month BT offer® vs. Fidelity® Rewards Visa Signature® Card

In addition to the 2 percent reward for each purchase, the Fidelity® Rewards Visa Signature® offers a $100 bonus if you spend $1,000 within the first 90 days of opening an account. It has one other unique benefit as well. Each Fidelity credit card must be linked to a Fidelity account, which makes it easier for a card holder to put rewards points in accounts like an IRA or 401K. It is hard to pick one card over the other when we compare the benefits of long-term financial planning or incentives to pay off credit card balances.

Who Should Get This Card?

Citi® Double Cash Card - 18 month BT offer is best for consumers with excellent or good credit who will pay their balance in full each month. Revolving balances need to be eliminated to fully maximize the rewards program.

It is also important for the Citi® card holder to use different cards while traveling abroad to avoid paying foreign transaction fees too. The Citi® Double Cash Card – 18 month BT offer is most beneficial for purchases made within the U.S.

This card compared to other cash back cards

Cashback on Gas
1% When You Buy, 1% As You Pay
3% at U.S. gas stations
2% at U.S. gas stations
Cashback on Groceries
1% When You Buy, 1% As You Pay
6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
3% at U.S. supermarkets on up to $6,000 per year in purchases
Cashback on other
1% When You Buy, 1% As You Pay
1% other purchases. Terms and limitations apply.
1% other purchases. Terms and limitations apply.
Purchase Intro
APR:
N/A
APR:
0% on Purchases
Period:
for 12 months
APR:
0% on Purchases
Period:
for 12 months
Purchase APR
13.49% - 23.49%* (Variable)
13.49%-23.49% Variable 
13.49%-23.49% Variable 
CardRatings.com Editorial Staff

Citi® Double Cash Card - 18 month BT offer details

Cashback on Gas
1% When You Buy, 1% As You Pay
Cashback on groceries
1% When You Buy, 1% As You Pay
Cashback on other
1% When You Buy, 1% As You Pay
Purchase Intro
APR:
N/A
Purchase APR
13.49% - 23.49%* (Variable)
Annual Fee
$0*

What Citi says about this card

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.49% - 23.49% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*

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Apply online for Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

  • Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months.
  • Everyday Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S. gas stations; 1% other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.49% to 23.49%, based on your creditworthiness and other factors.
  • Terms Apply.
Credit Needed:
Excellent, Good
Apply online for Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • Earn $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive cash back in the form of statement credits.
  • Earn Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases, 2% at U.S. gas stations & select U.S. dept stores, 1% on other purchases. Terms and limitations apply.
  • Simple and straightforward: With the Blue Cash Everyday Card, you can start earning cash back.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.49% to 23.49%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
Credit Needed:
Excellent, Good