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Citi® Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer
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On Citi's secure site
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Rewards Rate
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Welcome Offer
Typical Credit Score
Excellent, Good
Card Network
Annual Fee
Credit Score Needed
Excellent, Good
  • Click APPLY NOW to securely apply online.
  • 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.

  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.

  • Balance Transfers do not earn cash back.

  • 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 a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.

  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

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Citi® Double Cash Card Review

Who is the Citi® Double Cash Card – 18 month BT offer for?

The Citi® Double Cash Card, from our partner, is perfect for the everday shopper looking to make money back, not once, but twice. With this card, you will be additionally rewarded for making your payments on time. Specifically, Citi pays you 1% cash back when you make the purchase and another 1% after your monthly payment has been received. The Citi® Double Cash Card offer stands apart from the field with one of the longest introductory 0% APR balance transfer periods of 18 months to complement these aforementioned generous cash back rewards.

In addition to cash back, Citi offers a myriad of other benefits, ranging from access to the Citi Entertainment® portal to purchase protection on unauthorized charges. Citi gives you these benefits and more at no annual cost, making it a very valuable card for anyone looking to earn cash back.

This is the card for people who stay on top of their payments and want a simplistic rewards structure. Savvy cardholders will select automatic payment in the Citi app to ensure you will receive 2% cash back every month. Lastly, this card keeps rewards simple by putting money in your pocket without having to do any research on monthly spending bonuses.

Cash Back

As far as rewards, cardholders earn 2% on each purchase. You get the first 1% cash back when you make the purchase and get an extra 1% back once you pay off your balance each month. You will not earn cash back on balance transfers, cash advances, account fees, interest, or returned items. There are no limits to how much cash back you can earn and your cash back will only expire if you have not earned any rewards for over a year, signaling that you’ve stopped using the credit card. This means that you can keep accumulating your cash back rewards as long as you want, and there are multiple ways in which you can receive your cash back rewards. These include:

  1. Request a check for at least $25, up to the total cash rewards balance at the time you redeem
  2. Redeem for a statement credit to your Card Account for at least $25, up to the total cash rewards balance at the time you redeem
  3. Redeem for a credit to your linked Citi savings accout or a checking account
  4. Convert your cash rewards to ThankYou Points (ThankYou Points are Citi’s rewards points, which can be spent on gift cards and travel benefits)

This rewards structure is great for simplicity and not having to optimize your spending on different categories. You know exactly what you’re getting with every purchase. You get 2% cash back whether you're buying groceries or financing car payments. No matter how small or large the purchase is you will receive the same flat rate, ridding the transaction of any possible complications.

The key to maximizing rewards with the Citi® Double Cash Card offer is making the minimum payments on time. Pay close attention to when payment is due versus when the next billing period begins because they are not guaranteed to be the same date.

For example, if you bought a TV on March 10th, the payment could be due March 25th. with the next billing period beginning April 1st. If the minimum payment due for the TV is not completed on time, you will not receive the extra 1% cash back on your purchase. 

We can’t stress enough that making payments on time is what makes this card’s rewards rate compelling. Not receiving this extra 1% makes this rewards rate less than stellar.

Extra Perks

Even before the cash back rewards and the no annual fee, the introductory 0% APR period is great to consolidate your interest payments to a new card, especially if you are paying a high rate of interest on your current credit card. This is one of the longer introductory 0% APR periods that you will find at 18 months, and cards that do have longer introductory APR periods almost certainly won’t have a rewards program.

This card also benefits from having access to the exclusive Citi Entertainment® portal which offers special opportunities to attend thousands of events, concerts, sports games, restaurants, and more. Citi has done an excellent job creating this portal, which assembles experiences that release to cardholders before the public. Whether you want to go to a Tim McGraw concert, or if you want a deal for Mets tickets, you’ll find your memorable experiences on the Citi Entertainment® portal.


Citi offers a large selection of protection benefits as well. This card offers access to 24-hour fraud protection, so if Citi notices unusual activity on your account, they will notify you immediately. Citi Identity Theft Solutions will assist you in getting the situation handled if you are a victim of identity theft. Also, you will have no liabilities for unauthorized charges. If someone else happens to get access to your credit card and makes an unauthorized purchase, you will not be responsible financially for it. Finally, Citi has the Lost Wallet Service in which they will replace your card, usually within 24 hours, if it is lost.

Citi also offers 24/7 customer service. Whatever the problem may be, ranging from a lost card to a question about how to pay, Citi will have customer service representatives ready to help you at any hour of the day, any day of the week.


This card comes equipped with contactless pay technology. This allows you to shop safely and quickly at checkout. To use this feature, simply tap your credit card on the card reader to pay.

Citi also utilizes digital wallets to ease online shopping. Digital wallets let you shop easily and safely throughout online stores and apps, saving you the hassle of having to type your information in every time, while also protecting your information.

If you own the Citi® Double Cash Card, it is smartest to pair it with another card if you are someone who frequently travels internationally. This card has a 3% foreign transaction fee, making it less attractive to use abroad compared to certain travel cards.

No Annual Fee

All of these benefits come at no cost to the owner, meaning that this card is made for simplicity and rewards. You do not have to research categories figuring out the best ways to earn, and you do not have to pay money in order to receive these rewards. Instead, Citi has created this card for everyday use, benefitting all people equally with a flat 1-2% cash back rate with no annual costs.


The Citi® Double Cash Card is a perfect credit card for everyday shopping, as long as you make your payments on time. The one downside is the 3% foreign transaction fee, but if you pair this card with a travel credit card, you will maximize your potential rewards. The prolonged introductory 0% APR for balance transfers, the unlimited  2% cash back potential, the access to Citi Entertainment®, and the variety of protection services makes this card beneficial for all shoppers.

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