And although the card doesn't currently have a welcome bonus, there's a 0% intro APR on balance transfers for 18 months, then a 15.49% - 25.49% Variable APR, which can save you money if you're looking to consolidate debt or move a balance from a high-interest credit card. entities, such as banks, credit card issuers or travel companies. To earn cash back, pay at least the minimum due on time. Cardholders can redeem rewards as a check, as a statement credit to your Citi Double Cash Card - 18 month BT offer, as a credit to a linked Citi savings or checking account, or to an account from which youve paid a Citi credit card bill at least two times. Sucks! Thats not the only way the Navy Federal More Rewards Amex provides more: In addition to no annual fee, theres also no balance transfer fee, no foreign transaction fee and no cash advance fees., Where the Citi Double Cash Card offers up to 2 points per dollar all around, the Navy Federal More Rewards Amex offers. Credit Score ranges are based on FICO credit scoring. Offer expires August 31, 2022, Navy Federal More Rewards Amexs lower-end-of-range standard rate APR is significantly lower than the Citi Double Cash Cards standard rate APR range. I don't how others were able to get at least $500 with a lower score then me, and I am denied? It offers a 0% introductory APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49% - 25.24% applies. Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back. This compensation comes from two main sources. After those 18 months, it's a 15.49% - 25.49% (Variable) APR. Read more: How to earn, redeem, and maximize Citi ThankYou points. Its accurate to the best of our knowledge when its posted. The Citi Double Cash Cards intro period is 18 months but only applies to balance transfers. I think I'll just go back to using my discover. Auto, homeowners, and renters insurance services offered through Karma Insurance Services, LLC (CA resident license #0172748). It was not worth the hard credit inquiry. Unlike many other cash back cards on the market, the Citi Double Cash Card - 18 month BT offer doesn't offer a sign-up bonus. For example, you'll pay a foreign transaction fee on all purchases you make outside the US. Balance Transfers do not earn cash back. She would like to visit every country and try as many different local culinary specialties as possible. The information for the American Express Cash Magnet Card has been collected independently by U.S. News and the card is not currently available on the site. Chase Freedom Unlimited cardholders have a variety of consumer benefits, including zero liability protection, purchase protection and extended warranty protection.
With a 1.99% intro APR for 6 months from account opening on purchases and on balance transfers made within 60 days. It hurts because I've been approved for other banks and other cards. Dont want to worry about tracking rewards categories. JetBlue TrueBlue (if you don't have the Citi Premier Card or Citi Prestige Card, the transfer ratio is 800 JetBlue points for every 1,000 ThankYou points you convert). The most impressive thing however is the dispute center. If you also hold the Citi Prestige Card or the Citi Premier Card, however, you can combine your points and transfer them at a 1:1 ratio to all of Citi's airline transfer partners, including Air France-KLM Flying Blue, Cathay Pacific, and Etihad Guest, and at an improved ratio to Citi's hotel partners. This post contains links to products from our advertisers, and we may be compensated when you click on these links. However, there are a couple that can be very helpful in the right circumstances. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. While the CitiDouble Cash Card doesn't charge an annual fee, there are other fees to be aware of.
We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. For example, to transfer points to airline and hotel partners with Chase Ultimate Rewards, you'll need an annual-fee card like the Chase Sapphire Preferred Card, Chase Sapphire Reserve, or Ink Business Preferred Credit Card in your wallet. Citi ThankYou Points are transferable points and can alternatively be transferred to travel partners including Air France/KLM Flying Blue, Singapore Airlines, JetBlue and more. Citi also offers ThankYou Points, which can be purchased for as little as $1 in cash rewards. Forbes Advisor estimates that the household has $26,410 in expenses that can be reasonably charged to a credit card. and have not been previously reviewed, approved or endorsed by any other Balance Transfers do not earn cash back. After that, the APR will be 15.49% - 25.49% (Variable), based on your creditworthiness, Contactless pay and digital wallet options. In addition to serving as contributing editor for The Simple Dollar and writing for publications such as Bankrate, U.S. News and World Report Travel, and Travel Pulse, Johnson owns, and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life Youll Love.". Unless youre willing to open a credit Information provided on Forbes Advisor is for educational purposes only. A new fence ended up on my credit card, I opened the double cash back card with intent to use the 18 month balance transfer offer. This no-annual-fee card provides 1% cash back on purchases and 1% cash back when you pay for them. If you're heading abroad, use a card that doesn't charge foreign transaction fees instead. I should have listened to the other negative reviews. I pay off my balance every month, so it is free cash (I take the direct deposit cash rewards option every time). The CitiDouble Cash Card now lets you transfer Citi ThankYou points to one airline partner, JetBlue, at a transfer ratio of 5:4 (1,000 Citi ThankYou points to 800 JetBlue points), and to hotel partners Wyndham (5:4 ratio) and Choice Privileges (2:3 ratio). The Equifax logo is a registered trademark owned by Equifax in the United States and other countries.
Banks, issuers and credit card companies do not endorse or guarantee this content, are not responsible for it, and may not even be aware of it. Read more: Guide to the best cash-back credit cards. Your CitiDouble Cash Card rewards will not expire as long as your account is open.
If you also have the Citi Premier Card or Citi Prestige Card, it's a smart move to pair one of those cards with the CitiDouble Cash Card. Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available. Caroline Lupini is the Credit Card and Travel Analyst for Forbes Advisor. APR of 0% intro for 18 months on Balance Transfers.
After that, your fee will be 5% of each transfer (minimum $5). Cardholders who don't pay their credit card bills on time. Using a 0% APR credit card for balance transfers can save you money if you're carrying high-interest debt on other cards. 
iPhone is a trademark of Apple Inc., registered in the U.S. and other countries.
If you dont pay off your credit card balance regularly or you need a card that's good for travel, this card may not be for you. Just done.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. Read more: Cash-back card face-off: The Citi Double Cash versus the Chase Freedom Unlimited. Credit Karma is committed to ensuring digital accessibility for people with disabilities. Formerly known Comenity Bank, Bread Financial is serving up its own hot take on a 2% cash-back card. The main purpose of this reviewwhich I never write reviews is the HORRIBLE customer service. For example, if you had $25 in cash back sitting in your account, it converted into 2,500 ThankYou points. on this page is accurate as of the posting date; however, some of our partner offers may have expired. The Citi Double Cash Card presents a lucrative option for those with good to excellent credit looking for a solid all-around cash-back card or the ability to transfer high-interest balances from another card. With the CitiDouble Cash Card, you'll qualify for a 0% intro APR on balance transfers for 18 months (balance transfers must be completed in the first four months from account opening), followed by a 15.49% - 25.49% Variable APR. It's an ideal card for those who want a solid rewards-earning rate without having to keep track of bonus categories or spending caps. We're focused here on the rewards and perks that come with each card. The Citi Double Cash Cards 2% cash back on all purchases1% when purchases are made and another 1% when theyre paid offmight work better for those who dont expect to spend a lot of money on travel. That's 6.5% on travel purchased through Chase Ultimate Rewards, 4.5% on dining and drugstores, and 3% on all other purchases. Previously, she was a fully licensed financial professional at Fidelity Investments. Typically, to get approved for the CitiDouble Cash Card, you'll acredit score in the goodtoexcellent range.
I use this card almost exclusively. If youre looking to pay off other credit card balances, the Citi Double Cash Card - 18 month BT offer can be a good option, provided you finish making payments within the 18-month 0% APR period and dont make any new purchases you cant pay off each month during that time. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness. Read more: You can transfer Citi ThankYou points to 16 airline and 2 hotel partners, and the best programs can save you thousands of miles on flights to destinations like Hawaii. If you dont make at least the minimum payment on time, you wont earn any rewards on purchases during that billing cycle. The Chase Freedom Unlimited could still work better for those who like eating out instead of buying groceries with its 3% cash back on dining and takeout, but its also a winner when it comes to 0% introductory APR on purchases. Balance Transfers do not earn cash back. The Citi Double Cash Card offers a 0% intro APR on balance transfers for 18 months. I like that there are no categories with different interest rates. Commissions do not affect our editors' opinions or evaluations. The card also offers an introductory APR of 0% intro APR on balance transfers for 18 months. Terms apply. There are other cards that offer balance transfer options without such a fee, but the generous introductory period makes the card worth exploring for balance transfers. Youll pay no interest on transferred balances for 18 months. The content Join today its free! With the CitiDouble Cash Card, you'll earn 2 points per dollar (1 point per dollar when you make a purchase, and 1 point per dollar when you pay it off) on all purchases, with no limit to what you can earn. Citi doesnt disclose the criteria it uses to evaluate applicants, but in general, applicants need good or excellent credit to get the Citi Double Cash Card - 18 month BT offer.
Words of advice if you see this on your profile take the chance or run. If you dont make at least the minimum payment by the due date, you also wont earn cash back on any purchases made during that billing cycle.
The Chase Freedom Unlimited earns 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on eligible dining and drugstores and 1.5% on all other purchases. The 70th percentile of wage-earning households bring in $100,172 annually and we base spending on that number. Just be sure you're able to make at least the minimum payment each month and have the means to pay the entire balance before the introductory period expires. You only earn 1% back when you make a purchase. I have Excellent credit but was only approved for a $3k limit. For example, the Wells Fargo Active Cash Card (Rates & Fees) offers 2% cash rewards on purchases, and comes with a welcome bonus of $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account opening. There is also an intro balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, completed within the first 4 months of account opening. Here's a full rundown of the Citi Double Cash changes. It is not a fit for those who dont want to pay balance transfer fees or for those who wont be able to pay down purchases to earn the second half of the cash-back reward available with this cardbut at that point, neither is any other rewards card, as rewards cards have higher-than-average interest rates which will quickly outweigh the value of any points or cash back earned. Read our editorial standards. The Citi Double Cash Cards earn rate of 2% cash back on all purchases1% when purchases are made and another 1% when theyre paid offprovides plentiful rewards all-around, as long as you make your minimum payments on time. I have had the card for as long as it has been around and it was always a pleasure to communicate with.
After that, your fee will be 5% of each transfer (minimum $5). Our recommendations and advice are ours alone, and have not been reviewed by any issuers listed.
The Citi Double Cash card also comes with a balance transfer card option of a 0% intro APR on balance transfers for 18 months. Both cards have no annual fee. These cards won't be worth it if you're paying interest or late fees. Best feature: 0% intro APR on balance transfers. To determine the rewards potential of the Citi Double Cash Card we have to consider what an American household might spend on a credit card each year. All Rights Reserved. Youll also get: These ratings and reviews are provided by our users. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay. Citi Double Cash Card - 18 month BT offer review: The Citi Double Cash Card - 18 month BT offer offers a good value, but youll need to pay off your charges if you want the full 2% cash back. If "most words in name" were an Oscar category, the better get its speech ready. Other benefits with the Citi Double Cash Card include no annual fee, no cap on earnings and a small array of extras, like $0 liability for unauthorized charges, 24/7 fraud monitoring and the now near-ubiquitous contactless and digital wallet options. Q: Is the Citi Double Cash Card - 18 month BT offer hard to get?A: Citi Double Cash Card - 18 month BT offer applicants are evaluated based on various factors, including their credit score and payment history.
With a 1.99% intro APR for 6 months from account opening on purchases and on balance transfers made within 60 days. It hurts because I've been approved for other banks and other cards. Dont want to worry about tracking rewards categories. JetBlue TrueBlue (if you don't have the Citi Premier Card or Citi Prestige Card, the transfer ratio is 800 JetBlue points for every 1,000 ThankYou points you convert). The most impressive thing however is the dispute center. If you also hold the Citi Prestige Card or the Citi Premier Card, however, you can combine your points and transfer them at a 1:1 ratio to all of Citi's airline transfer partners, including Air France-KLM Flying Blue, Cathay Pacific, and Etihad Guest, and at an improved ratio to Citi's hotel partners. This post contains links to products from our advertisers, and we may be compensated when you click on these links. However, there are a couple that can be very helpful in the right circumstances. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. While the CitiDouble Cash Card doesn't charge an annual fee, there are other fees to be aware of.
We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. For example, to transfer points to airline and hotel partners with Chase Ultimate Rewards, you'll need an annual-fee card like the Chase Sapphire Preferred Card, Chase Sapphire Reserve, or Ink Business Preferred Credit Card in your wallet. Citi ThankYou Points are transferable points and can alternatively be transferred to travel partners including Air France/KLM Flying Blue, Singapore Airlines, JetBlue and more. Citi also offers ThankYou Points, which can be purchased for as little as $1 in cash rewards. Forbes Advisor estimates that the household has $26,410 in expenses that can be reasonably charged to a credit card. and have not been previously reviewed, approved or endorsed by any other Balance Transfers do not earn cash back. After that, the APR will be 15.49% - 25.49% (Variable), based on your creditworthiness, Contactless pay and digital wallet options. In addition to serving as contributing editor for The Simple Dollar and writing for publications such as Bankrate, U.S. News and World Report Travel, and Travel Pulse, Johnson owns, and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life Youll Love.". Unless youre willing to open a credit Information provided on Forbes Advisor is for educational purposes only. A new fence ended up on my credit card, I opened the double cash back card with intent to use the 18 month balance transfer offer. This no-annual-fee card provides 1% cash back on purchases and 1% cash back when you pay for them. If you're heading abroad, use a card that doesn't charge foreign transaction fees instead. I should have listened to the other negative reviews. I pay off my balance every month, so it is free cash (I take the direct deposit cash rewards option every time). The CitiDouble Cash Card now lets you transfer Citi ThankYou points to one airline partner, JetBlue, at a transfer ratio of 5:4 (1,000 Citi ThankYou points to 800 JetBlue points), and to hotel partners Wyndham (5:4 ratio) and Choice Privileges (2:3 ratio). The Equifax logo is a registered trademark owned by Equifax in the United States and other countries.
Banks, issuers and credit card companies do not endorse or guarantee this content, are not responsible for it, and may not even be aware of it. Read more: Guide to the best cash-back credit cards. Your CitiDouble Cash Card rewards will not expire as long as your account is open.
If you also have the Citi Premier Card or Citi Prestige Card, it's a smart move to pair one of those cards with the CitiDouble Cash Card. Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available. Caroline Lupini is the Credit Card and Travel Analyst for Forbes Advisor. APR of 0% intro for 18 months on Balance Transfers.
After that, your fee will be 5% of each transfer (minimum $5). Cardholders who don't pay their credit card bills on time. Using a 0% APR credit card for balance transfers can save you money if you're carrying high-interest debt on other cards. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. If you dont pay off your credit card balance regularly or you need a card that's good for travel, this card may not be for you. Just done.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. Read more: Cash-back card face-off: The Citi Double Cash versus the Chase Freedom Unlimited. Credit Karma is committed to ensuring digital accessibility for people with disabilities. Formerly known Comenity Bank, Bread Financial is serving up its own hot take on a 2% cash-back card. The main purpose of this reviewwhich I never write reviews is the HORRIBLE customer service. For example, if you had $25 in cash back sitting in your account, it converted into 2,500 ThankYou points. on this page is accurate as of the posting date; however, some of our partner offers may have expired. The Citi Double Cash Card presents a lucrative option for those with good to excellent credit looking for a solid all-around cash-back card or the ability to transfer high-interest balances from another card. With the CitiDouble Cash Card, you'll qualify for a 0% intro APR on balance transfers for 18 months (balance transfers must be completed in the first four months from account opening), followed by a 15.49% - 25.49% Variable APR. It's an ideal card for those who want a solid rewards-earning rate without having to keep track of bonus categories or spending caps. We're focused here on the rewards and perks that come with each card. The Citi Double Cash Cards 2% cash back on all purchases1% when purchases are made and another 1% when theyre paid offmight work better for those who dont expect to spend a lot of money on travel. That's 6.5% on travel purchased through Chase Ultimate Rewards, 4.5% on dining and drugstores, and 3% on all other purchases. Previously, she was a fully licensed financial professional at Fidelity Investments. Typically, to get approved for the CitiDouble Cash Card, you'll acredit score in the goodtoexcellent range.
I use this card almost exclusively. If youre looking to pay off other credit card balances, the Citi Double Cash Card - 18 month BT offer can be a good option, provided you finish making payments within the 18-month 0% APR period and dont make any new purchases you cant pay off each month during that time. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness. Read more: You can transfer Citi ThankYou points to 16 airline and 2 hotel partners, and the best programs can save you thousands of miles on flights to destinations like Hawaii. If you dont make at least the minimum payment on time, you wont earn any rewards on purchases during that billing cycle. The Chase Freedom Unlimited could still work better for those who like eating out instead of buying groceries with its 3% cash back on dining and takeout, but its also a winner when it comes to 0% introductory APR on purchases. Balance Transfers do not earn cash back. The Citi Double Cash Card offers a 0% intro APR on balance transfers for 18 months. I like that there are no categories with different interest rates. Commissions do not affect our editors' opinions or evaluations. The card also offers an introductory APR of 0% intro APR on balance transfers for 18 months. Terms apply. There are other cards that offer balance transfer options without such a fee, but the generous introductory period makes the card worth exploring for balance transfers. Youll pay no interest on transferred balances for 18 months. The content Join today its free! With the CitiDouble Cash Card, you'll earn 2 points per dollar (1 point per dollar when you make a purchase, and 1 point per dollar when you pay it off) on all purchases, with no limit to what you can earn. Citi doesnt disclose the criteria it uses to evaluate applicants, but in general, applicants need good or excellent credit to get the Citi Double Cash Card - 18 month BT offer.
Words of advice if you see this on your profile take the chance or run. If you dont make at least the minimum payment by the due date, you also wont earn cash back on any purchases made during that billing cycle.
The Chase Freedom Unlimited earns 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on eligible dining and drugstores and 1.5% on all other purchases. The 70th percentile of wage-earning households bring in $100,172 annually and we base spending on that number. Just be sure you're able to make at least the minimum payment each month and have the means to pay the entire balance before the introductory period expires. You only earn 1% back when you make a purchase. I have Excellent credit but was only approved for a $3k limit. For example, the Wells Fargo Active Cash Card (Rates & Fees) offers 2% cash rewards on purchases, and comes with a welcome bonus of $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account opening. There is also an intro balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, completed within the first 4 months of account opening. Here's a full rundown of the Citi Double Cash changes. It is not a fit for those who dont want to pay balance transfer fees or for those who wont be able to pay down purchases to earn the second half of the cash-back reward available with this cardbut at that point, neither is any other rewards card, as rewards cards have higher-than-average interest rates which will quickly outweigh the value of any points or cash back earned. Read our editorial standards. The Citi Double Cash Cards earn rate of 2% cash back on all purchases1% when purchases are made and another 1% when theyre paid offprovides plentiful rewards all-around, as long as you make your minimum payments on time. I have had the card for as long as it has been around and it was always a pleasure to communicate with.
After that, your fee will be 5% of each transfer (minimum $5). Our recommendations and advice are ours alone, and have not been reviewed by any issuers listed.
The Citi Double Cash card also comes with a balance transfer card option of a 0% intro APR on balance transfers for 18 months. Both cards have no annual fee. These cards won't be worth it if you're paying interest or late fees. Best feature: 0% intro APR on balance transfers. To determine the rewards potential of the Citi Double Cash Card we have to consider what an American household might spend on a credit card each year. All Rights Reserved. Youll also get: These ratings and reviews are provided by our users. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay. Citi Double Cash Card - 18 month BT offer review: The Citi Double Cash Card - 18 month BT offer offers a good value, but youll need to pay off your charges if you want the full 2% cash back. If "most words in name" were an Oscar category, the better get its speech ready. Other benefits with the Citi Double Cash Card include no annual fee, no cap on earnings and a small array of extras, like $0 liability for unauthorized charges, 24/7 fraud monitoring and the now near-ubiquitous contactless and digital wallet options. Q: Is the Citi Double Cash Card - 18 month BT offer hard to get?A: Citi Double Cash Card - 18 month BT offer applicants are evaluated based on various factors, including their credit score and payment history.