Thousands Are Choosing This Top Card of 2025
Earn a $200 bonus plus an incredibly long intro APR on balance transfers with the Citi Double Cash® Card
Fact Checked
Fact Checked
The Citi Double Cash® Card from our partner Citi is our top pick for consumers with good to excellent credit looking to complete a balance transfer and earn cash back.
Do you need some breathing room with your current 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 17.99% - 27.99% (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.
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.
Here’s Why We Love This Card
The Citi Double Cash® Card is an attractive card for those interested in:
- Transferring existing balances
- $0 annual fee
- Earning a top-rated cash back rate on all purchases
- Earning a generous welcome bonus
Interested and want to find out if you’re approved? You could get a decision in 60 seconds or less. Apply Now.
Citi Double Cash® Card
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).
Here’s How To Apply
The Citi Double Cash® Card is a great fit for anyone who wants plenty of time to pay down debt without being charged interest payments and earn cash back.
Interested and want to find out if you’re approved? You could get a decision in 60 seconds or less. Apply Now.
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.
Incredibly Long Intro APR on Purchases & Qualifying Balance Transfers
Wells Fargo Reflect® Card
This card from Wells Fargo is a CardCritics™ favorite in both the Low APR and Balance Transfer categories. It offers a 0% intro APR for 21 months from account opening on purchases and on qualifying balance transfers, then a 17.99%, 24.49%, or 28.74% Variable APR. Balance transfers made within 120 days qualify for the intro rate and there is a balance transfer fee (5%; min: $5). If you are accruing interest charges each month on another card (or cards) the transfer fee is likely worth the expense especially if you plan to pay the balance off before the 0% intro period is over. You can also get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with this card.
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
This card from Wells Fargo is a standout in both the Low APR and Balance Transfer categories. It offers a very generous intro APR period and you get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with this card. 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.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.99%, 24.49%, or 28.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
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.
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.