Make your everyday purchases more rewarding with one of the best cash back credit cards of 2018. Imagine getting 1% back on every dollar you spend and another 1% back when you pay off your purchases. Well you don’t have to imagine because the Citi® Double Cash Card offers that and much more.
The much more is just as enticing as the cash back credit card benefits. Cardholders enjoy an 18-Month Balance Transfer offer that will deliver significantly more cash back than other cash back credit cards.
Earning cash back on everyday spending plus cash back when you make a payment makes the Citi® Double Cash Card stand out among all other cash back rewards credit cards.
What type of credit do you need. Cash back credit cards are just not for people with excellent credit. People with fair to good credit (620 and up) may also qualify for a cash back credit card. Cardholders enjoy the how easy it is to use the Citi® Double Cash Card.
Is a payment in full required to earn cash back on payments. No. Earn the additional 1% Cash Back as you pay for those purchases, whether you pay in full or over time. Just make sure to pay at least the minimum due on time. You don’t have to wait until you’ve paid off a purchase to earn cash back on each payment.
What Earns Cash Back. You earn cash back on all your purchases and on payments based on your purchases. You do not earn cash back based on balance transfers, cash advances, account fees, interest, or returned items.
Is a Citi Checking Account Required. No. The card doesn’t require you to have a bank account with Citi or to deposit your rewards into a Citi bank account. You can redeem your cash back as a statement credit, check, gift card or deposit into a checking or savings account once you hit the $25 minimum redemption threshold.
Overview of the Citi® Double Cash 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 14.74% – 24.74% 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*
How does the Citi® Double Cash Card transfer work
Offer only applies to new accounts. The Introductory rate of 0% for 18 months is from the date of first transfer for balance transfers. Balance transfers must be completed within 4 months of account opening. After the introductory period ends, the standard variable APR for purchases will be applied to unpaid promotional balances and new balance transfers.
What’s the APR and Fees for the Citi® Double Cash Card
Purchase APR. The variable APR will be 14.74% – 24.74% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.*
Cash Advance APR. Variable APR of 26.49%*. This APR will vary with the market based on the Prime Rate.
Balance Transfer Fee. Either $5 or 3% of the amount of each transfer, whichever is greater.
Cash Advance Fee. Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Purchase Transaction Fee. 3% of each purchase transaction in U.S. dollars.
Late Payment Fee. None for the first late payment; up to $35 after that.