Citi® Double Cash Card Review- 18 month BT offer

One of the few cards to earn our coveted 5-star rating, the Citi® Double Cash Card - 18 month BT offer offers unlimited 2% cash back on every purchase, split up as 1% when you make a purchase and 1% when you make a payment. If you pay your balance in full every month, it’s a straightforward 2%. There are cards with higher cash back, but often there are caps or the cash back is in select categories. If you don’t want to think about cash back, this card is an excellent choice. You also get a welcome offer and 0% APR on balance transfers for 18 months. We dive into the details and your approval odds in this Citi Double Cash review.

Citi Double Cash

Our Rating

4.9/5.0

Welcome Offer

Earn $200 cash back

Annual Fee

$0

0% on Purchases

N/A

Reward Rate

1% to 2%

0% on Balance Transfers

18 months

>>Check Out This and Other Travel Rewards Credit Cards Here

>>Check Out This and Other Cash Back Credit Cards Here

The Citi® Double Cash Card – 18 month BT offer is one of the few credit cards to earn a perfect 5 star rating. That’s not to say, however, that it’s perfect. No credit card is. But its combination of cash back rewards, 0% introductory offer on balance transfers, and no annual fee make it one of the best rewards credit cards available today.

The Citi® Double Cash Card offers a unique cash back reward. You earn unlimited 1% cash back on every purchase + 1% cash back when you pay your credit card bill. It also offers an excellent 0% introductory rate on balance transfers. I’ve carried the card for years, and you’ll see why as we dive into this Citi Double Cash review.

There are other cards that pay 2%, but only if you use the rewards for travel (e.g., Capital One Venture Rewards) or have an account at Fidelity (e.g., Fidelity Visa card). With the Citi Double Cash Card, there are no such requirements.

Welcome Offer

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.

Features & Benefits

SecurityCredit Score Monitoring, EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Identity theft protection, Virtual Card Numbers
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
Benefits24/7 customer service
Travel PerksAccess to Special Events and Concerts

Rewards

2% cash back
All eligible purchases
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 Fee3%
Regular APR19.24% - 29.24% (V) APR
Balance Transfers0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24%(V) APR after that.
Balance Transfer FeeIntro 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 StatusDateCredit ScoreBureauCredit Limit
Approved06/20/2023
803
Not Provided
---
Approved07/11/2023
667
Equifax
$3,000
Denied01/10/2023
737
Equifax
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Pros & Cons

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®
Chase Freedom Unlimited®

Rating

4.9

Rewards Range

1.5% - 5%

Annual Fee

$0

Synchrony Premier World Mastercard®
Synchrony Premier World Mastercard®

Rating

4.6

Rewards Range

2%

Annual Fee

$0

Blue Cash Preferred® Card from American Express
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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