Citi® Double Cash Card Review- 18 month BT offer
One of the few cards to earn our coveted 5-star rating, the card_name offers excellent cash back and a 0% APR on balance transfers, all without charging an annual fee.
Our Rating
4.9/5.0
4.9/5.0
Welcome Offer
Earn 2% on every purchase with unlimited 1% cash back
Earn 2% on every purchase with unlimited 1% cash back
Annual Fee
$0
$0
0% on Purchases
None
None
Rewards Rate
1% to 2%
1% to 2%
0% on Balance Transfers
18 Months
18 Months
Welcome Offer
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.Features & Benefits
| Security | Credit Score Monitoring, EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Identity theft protection, Virtual Card Numbers |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | 24/7 customer service |
| Travel Perks | Access to Special Events and Concerts |
Rewards
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.
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Regular APR | 18.99% - 28.99% (V) APR |
| Balance Transfers | 0% Intro APR for 18 months on balance transfers, then 18.99% - 28.99%(V) APR after that. |
| Balance Transfer Fee | Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min). |
What Credit Score Is Required to Get the Citi® Double Cash Card - 18 month BT offer
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 08/15/2020 | Equifax | ||
| Approved | 05/12/2021 | Equifax | ||
| Approved | 07/25/2022 | Not Provided | ||
| Approved | 08/26/2022 | Equifax | ||
| Approved | 04/26/2020 | Equifax | ||
| Denied | 09/02/2014 | Experian | ||
| Denied | 06/16/2017 | Experian | ||
| Denied | 09/06/2020 | Equifax | ||
| Denied | 06/13/2021 | Equifax | ||
| Denied | 04/06/2016 | Equifax | ||
| Denied | 09/17/2015 | Experian |
Pros
- No annual fee
- Up to 2% cash back
Cons
- No welcome bonus
- Foreign transaction fee
- Requires good credit
What Are the Best Alternatives?
Chase Freedom Unlimited®
Rating
4.9
Rewards Range
1.5% - 5%
Annual Fee
$0
Synchrony Premier World Mastercard®
Rating
4.6
Rewards Range
2%
Annual Fee
$0
Blue Cash Preferred® Card from American Express
Rating
4.5
Rewards Range
1%-6%
Annual Fee
$0 intro annual fee for the first year, then $95.
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