Pay No Interest on Balance Transfers & Earn a $200 Bonus
Enjoy 0% intro APR for 18 months on Balance Transfers, followed by a 17.49% - 27.49% (Variable) APR, a $200 bonus, and unlimited 2% cash back with the Citi Double Cash® Card (an advertising partner).
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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 will be a great fit.
| Intro APR | 0% intro APR for 18 months on Balance Transfers |
|---|---|
| Regular APR | 17.49% – 27.49% (Variable) |
| Welcome Bonus | 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. |
| 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. |
| Annual Fee | $0 |
- High rewards rate with no categories or caps to worry about
- Long balance transfer intro APR
- Generous welcome bonus
- No intro APR on purchases
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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.
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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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Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% – 27.49%, based on your creditworthiness.
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Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
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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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This is a solid choice for anyone in the market for a balance transfer credit card that offers cash back rewards. The dollar-for-dollar match of the cash back you’ve earned your first year is a nice bonus.
| Intro APR |
0% Intro APR on balance transfers for 18 months 0% Intro APR on purchases for 6 months |
|---|---|
| Regular APR | 17.49% – 26.49% Variable APR |
| Welcome Bonus | Discover will match all the cash back you’ve earned at the end of your first year. |
| Cash Back |
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 |
| Annual Fee | $0 |
- Long introductory APR for balance transfers
- Unlimited dollar-for-dollar cash back match in the first year
- Elevated 2% rewards rate for gas stations and restaurants
- The highest cash-back rate, 2% for gas and restaurants, is limited to $1,000 in combined purchases per quarter.
- Base cash back rate is only 1%
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INTRO OFFER: Unlimited Cashback Match for all new cardmembers. 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.
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Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You’ll still earn unlimited 1% cash back on all other purchases.
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Get a 0% intro APR for 18 months on balance transfers. Then 17.49% to 26.49% Standard Variable APR applies, based on credit worthiness.
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Redeem cash back for any amount
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No annual fee.
- Terms and conditions apply.
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This card offers 21-month 0% intro APR on balance transfers — one of the longest available — along with 12 months of no interest on purchases!
| Intro APR |
0% intro APR for 21 months on Balance Transfers 0% intro APR for 12 months on Purchases |
|---|---|
| Regular APR | 16.49% – 27.24% (Variable) |
| Annual Fee | $0 |
- Very long intro APR on balance transfers
- No annual fee
- Free FICO® score access
- Shorter intro APR on purchases
- Balance transfer fee is higher than other comparable cards
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0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.49% – 27.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
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There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
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Get free access to your FICO® Score online.
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With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- No Annual Fee – our low intro rates and all the benefits don’t come with a yearly charge.
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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.
| Intro APR | 0% intro APR for 12 months from account opening on purchases and on qualifying balance transfers |
|---|---|
| Regular APR | 18.49%, 24.49%, or 28.49% Variable APR |
| Welcome Bonus | Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. |
| Cash Rewards | 2% Earn unlimited 2% cash rewards on purchases. |
| Annual Fee | $0 |
- Low spend requirement for bonus offer
- Long intro APR period
- Cell phone protection option
- Has a foreign transaction fee so it’s not the best option for purchases outside of the U.S.
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Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
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Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
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Earn unlimited 2% cash rewards on purchases.
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0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% 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.
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$0 annual fee.
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No categories to track or remember and cash rewards don’t expire as long as your account remains open.
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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.
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.