Pay No Interest on Balance Transfers & Earn a $200 Bonus
Enjoy 0% intro APR for 18 months on Balance Transfers, followed by a 17.99% - 27.99% (Variable) APR, a $200 bonus, and unlimited 2% cash back with the Citi Double Cash® Card (an advertising partner).
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The Citi Double Cash® Card is our top pick for consumers with good to excellent credit looking to complete a balance transfer and earn cash back.
0% intro APR for 18 months on Balance Transfers
17.99% – 27.99% (Variable)
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
2% 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. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
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Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
If you are looking for an easy to understand, flat rate, cash back credit card that pays an above-average rate of 2% (1% when you buy and 1% as you pay), then this card from Citi (an advertising partner) is a fantastic option for you. There is also a compelling balance transfer intro APR offer and a welcome bonus. Read our in-depth Review to learn more.Card Details From Issuer
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 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. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.99% – 27.99%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- 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 an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Earn 2% Cash Back
The Citi Double Cash® Card offers 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. It’s important to note that you will need to pay at least the minimum due on time to earn cash back rewards.
Do you want to stop paying interest on credit card interest payments?
If so, the Citi Double Cash® Card is a great option that offers a 0% intro APR for 18 months on Balance Transfers. After the introductory period, a 18.24% – 28.24% (Variable) will apply. This incredibly generous intro period makes the Citi Double Cash® Card one of the best available options for balance transfers.
$200 Welcome Bonus
The Citi Double Cash® Card also has an incredible welcome bonus worth $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
We think the Citi Double Cash® Card is tough to beat but we have rounded up some other options from our partners that may appeal to you as well.
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0% Intro APR on purchases for 6 months
0% Intro APR on balance transfers for 18 months
17.99% – 26.99% Variable APR
Discover will match all the cash back you’ve earned at the end of your first year.
1% – 2% Earn 2% Cash Back At Gas Stations And Restaurants On Up To $1,000 In Combined Purchases Each Quarter.
Earn 1% Unlimited Cash Back On All Other Purchases – Automatically
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The Discover it® Chrome card is a well-rounded option as it offers cash back rewards, a generous intro APR period (especially on balance transfers), a unique bonus opportunity and does not charge an annual fee. It offers a 0% Intro APR on purchases for 6 months and 0% Intro APR on balance transfers for 18 months, followed by 17.99% – 26.99% Variable APR. You will also earn 2% back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus you will earn unlimited 1% cash back on all other purchases. The unlimited cash back match bonus is what sets this card apart. All of the cash back you’ve earned in your first year is matched. There are no minimums or hoops to jump through to earn this bonus.
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
A solid choice for those who spend modestly (the 2% categories are capped at $1,000 in combined purchases each quarter) and are looking for a straight forward cash back credit card focused on gas and restaurants. The dollar-for-dollar match of the cash back you’ve earned your first year is a unique bonus opportunity. Read our in-depth Review to learn more.Card Details From Issuer
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Get a 0% intro APR for 18 months on balance transfers. Then 17.99% to 26.99% Standard Variable APR applies, based on credit worthiness.
- Redeem cash back for any amount
- No annual fee.
- Terms and conditions apply.
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0% intro APR on purchases for 12 months from account opening on purchases
0% intro APR for 12 months from account opening on qualifying balance transfers
18.99%, 23.99%, or 28.99% Variable APR
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
2% Earn unlimited 2% cash rewards on purchases.
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We really like that this card from Wells Fargo offers a straightforward way to earn cash rewards while also providing an intro APR period on purchases and qualifying balance transfers. You’ll earn an unlimited 2% cash rewards on purchases which means there are no activation requirements for special categories or monthly caps to worry about. Earning 2% rewards on your purchases is tough to beat and makes this $0 annual fee card a stand out option for anyone looking for a low maintenance cash rewards card that will allow you to accumulate cash rewards really quickly. There is also a welcome bonus worth $200 in cash rewards that can be earned by spending at least $500 in purchases in the first three months after you are approved.
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
If you are looking for a flat-rate cash rewards card that also offers an intro APR on purchases and qualifying balance transfers then this card is a great option. You will pay no annual fee, can earn an intro bonus and protect your cell phone from damage or theft. Read our in-depth Review to learn more.Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.99%, 23.99%, or 28.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
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0% intro APR on purchases and balance transfers for 15 months
18.74% – 28.24% Variable
Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
1.5% – 5% Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
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We really like that the Chase Freedom Unlimited® card offers a straightforward way to earn cash back while also providing some enticing bonus categories and a generous welcome offer. You can earn a welcome bonus of $200 cash back after you spend $500 on purchases in the first three months of account opening. And you’ll also earn 5% on travel purchased through Chase Travel℠, 3% at drugstores and on dining at restaurants, including takeout and eligible delivery services, and an unlimited 1.5% cash back on your other purchases. Aside from the incredible cash back, you’ll enjoy no annual fee and 0% Intro APR on Purchases and Balance Transfers for 15 months, then 18.74% – 28.24% Variable.
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
The Chase Freedom Unlimited® card offers a generous and unlimited base rate of 1.5% cash back on all of your purchases while also providing an even higher rate on travel purchased through Chase Travel℠, dining at restaurants and purchases at drugstores. You can earn a welcome bonus of $200 cash back after you spend $500 on purchases in the first three months of account opening. You can also save money on interest with a lengthy intro APR on purchases and balance transfers. Read our in-depth Review to learn more.Card Details From Issuer
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% – 28.24%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
As you can see, it is a great time to be in the market for a new credit card. Issuers are really stepping up their game and offering incredible perks to win your business. If you have good to excellent credit in the 670 – 850* range and have not recently applied for a new credit card then you should definitely apply for one of these stand-out options today.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.