Q: Is the Citi Double Cash Card - 18 month BT offer a good credit card?A: The Citi Double Cash Card - 18 month BT offer is a good card for cash back rewards. Many or all of the offers on this site are from companies from which Insider receives compensation (for a full list. 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. 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. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. 
California loans arranged pursuant to Dep't of Business Oversight Finance Lenders License #60DBO-78868. As of March 28, 2022, new and existing CitiDouble Cash Card cardholders earn Citi ThankYou points instead of cash back at a rate of 1 point per dollar when you make a purchase, and 1 point per dollar when you pay it off. While there are many cash-back credit cards that give you 1.5% back on your spending without an annual fee, few surpass that earning threshold. My score is so so. The annual fee and mediocre rewards offered by the arent even in the ring compared to other rewards cards. 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. Her work has appeared in U.S. News, Kiplinger and Forbes, among other publications. 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. chase slate card credit cards smartasset 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. Intro APR does not apply to purchases. Though not quite as straightforward as a flat 2% cash-back card, the cards 1% cash back when purchases are made and an additional 1% when the card is paid off rewards a total of 2% to those who pay at least the minimum due on time. This makes the Citi Double Cash Card - 18 month BT offer rewards structure great for consumers who dont like having to track earnings categories. If "most words in name" were an Oscar category, the better get its speech ready. That's 6.5% on travel purchased through Chase Ultimate Rewards, 4.5% on dining and drugstores, and 3% on all other purchases. Thank You points can be redeemed in multiple ways, ranging from cash back to miles and points in popular travel programs. The Citi Double Cash Card - 18 month BT offer offers a 0% introductory APR on balance transfers. Plus, earn unlimited 1% cash back on all other purchases automatically. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness. Forbes Advisor estimates that the household has $26,410 in expenses that can be reasonably charged to a credit card. If you also have a Citi Premier Card or Citi Prestige Card 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. 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. Words of advice if you see this on your profile take the chance or run. . They are still rude on the phoneand here we go again 4th fraud email just came thruthis is now 4 in the last 24 hours. I don't how others were able to get at least $500 with a lower score then me, and I am denied? With the Chase Freedom Flex, you receive purchase protection, cellphone protection if you pay your phone bill with the card, three free months of DashPass to use with the DoorDash and Caviar food delivery apps, travel and emergency assistance, and trip cancellation or interruption insurance. 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. Are you sure you want to rest your choices? At 18 he ran away and saw the world with a backpack and a credit card, discovering that the true value of any point or mile is the experience it facilitates. Citi also offers ThankYou Points, which can be purchased for as little as $1 in cash rewards. Please try again later. To learn more about ThankYou Point redemption options, go to thankyou.com. 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. Well estimate your chances of approval based on your credit profile. After the first year, some cardholders may do better with the Citi Double Cash Card. After that, the APR will be 15.49% - 25.49% (Variable), based on your creditworthiness, Contactless pay and digital wallet options. Foreign transaction fee none in April but in May 3%. Using a 0% APR credit card for balance transfers can save you money if you're carrying high-interest debt on other cards. Read our editorial standards. Our ratings take into account the cards rewards, fees, rates along with the cards category. Requires you to pay off your charges to earn your full rewards. citi esso Please call Member Support at 833-675-0553 or email legal@creditkarma.com. You might be using an unsupported or outdated browser. Its accurate to the best of our knowledge when its posted. Very responsive. 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. That's why the CitiDouble Cash Card is so exceptional. Cardholders who don't pay their credit card bills on time. I've had the card for 3 weeks and have spent and paid $15,000 and have a zero balance. Love the app and appearance of the card. 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. You can be a member if you or one of your family or household members has served in the armed forces, Department of Defense or National Guard. For example, you'll pay a foreign transaction fee on all purchases you make outside the US. All Rights Reserved. But before applying, you should check out Citi's transfer partners to make sure they work for your travel plans. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. We're focused here on the rewards and perks that come with each card. Q: How does Citi Double Cash Card - 18 month BT offer work?A: Citi Double Cash Card - 18 month BT offer earns 1% cash back on purchases and 1% cash back when you pay for purchases, with no reward cap. This site does not include all card companies or all card offers available in the marketplace. Discover will automatically match all the cash back you've earned at the end of your first year! 
You'll also pay a minimum interest charge whenever you carry a balance, and a fee will apply any time you use your credit card for a cash advance. Earns 1% cash back on purchases and 1% cash back when you pay for purchases. While it's a straightforward rewards earner with a solid balance transfer offer, the Citi Double Cash Card - 18 month BT offer isnt the best choice for everyone. Citi doesnt disclose a minimum credit limit, but you can generally expect a credit limit of at least $500 and sometimes several thousand dollars. If you're looking for a card with more benefits, check out our guide to the best travel rewards credit cards for top options. With a 1.99% intro APR for 6 months from account opening on purchases and on balance transfers made within 60 days. You can even use Citi ThankYou points to pay down your student loan or mortgage. Our recommendations and advice are ours alone, and have not been reviewed by any issuers listed. For example, if you had $25 in cash back sitting in your account, it converted into 2,500 ThankYou points. This would make it possible to extract the maximum return from your rewards, because the Citi Premier Card and Citi Prestige Card open the door to transfers to all of Citi's airline partners. 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. I was given a $5,000 right from the get go. 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. The customer service is rude on the phone and I never know if its going to work because they keep putting fraud holds on it. Recommended credit score. Youll pay no interest on transferred balances for 18 months. I use this card almost exclusively. 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. With the Citi Double Cash Card - 18 month BT offer, you earn 1% cash back when you make a purchase and an additional 1% back when you pay it off. I think I'll just go back to using my discover. 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. Join today its free! Intro Offer: Unlimited Cashback Match - only from Discover. After that, a variable APR between 10.40% and 18% applies. The Discover it Cash Back card has no foreign transaction fees, but Discover cards arent accepted as widely among overseas vendors. With the ability to earn 2% cash back on all purchases1% when purchases are made and another 1% when theyre paid off, the Citi Double Cash Card, from our partner Citi, is a solid option for those who make their minimum payments on time. Rewards are earned in two parts: You earn 1% back when you make a purchase and 1% back on the payments you make toward that purchase. All Rights Reserved. (634) at the time. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the authors alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.. Read our editorial standards. I have a credit score of 816 and got a instant approval for $9400. People who dont like worrying about spending categories. The Discover it Cash Back offers a 0% introductory APR for 15 months on purchases and eligible balance transfers. card credit cash pps platinum club citi airlines singapore express american 2% cash back on all purchases1% when purchases are made and another 1% when theyre paid off, 2% cash back on all purchases1% when purchases are made and another 1% when theyre paid off, Where the two other card comparisons in this article both have a slightly higher standard rate APR than the Citi Double Cash Card, thats not the case with the, Navy Federal More Rewards American Express Card. 
Best feature: 0% intro APR on balance transfers. It hurts because I've been approved for other banks and other cards. 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. Coryanne Hicks is an investing and finance writer and ghostwriter. And if you ever dont pay at least the minimum due on your card, you wont earn any rewards on purchases for that period. This post contains links to products from our advertisers, and we may be compensated when you click on these links. 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. 
Credit Karma Mortgage, Inc. NMLS ID# 1588622, Credit Karma Offers, Inc. NMLS ID# 1628077. Advertising considerations may impact where offers appear on the site but do not affect any editorial decisions, such as which card products we write about and how we evaluate them. After that, the fee will be 5% of each transfer (minimum $5). Typically, to get approved for the CitiDouble Cash Card, you'll acredit score in the goodtoexcellent range. Read more: How to keep points, miles, and credit card rewards from expiring. Were not convinced anyone should ever get a business secured card, but if youre in the market for one, dont bother with the . Bottom line: Getting 2% back (1 point per dollar at the time of purchase and 1 point per dollar when you pay your bill) without an annual fee is an excellent deal. Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. APR of 0% intro for 18 months on Balance Transfers. The content I keep getting you're pre-approved via CK so I applied as I have 7 other cards, pay on time, never late and often pay full balance off. Terms apply. I've been approved for up to $30k on multiple other cards, and have Amex Platinum with no limit. 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. The Forbes Advisor editorial team is independent and objective. The (rates & fees) is a strong points card for getting out and about. You could turn $150 cash back into $300. So in closing, great experience and I was approved within 1 hour after application process. Comparative assessments and other editorial opinions are those of U.S. News Your CitiDouble Cash Card rewards will not expire as long as your account is open. We'd love to hear from you, please enter your comments. Annual fee: Neither card has an annual fee. 
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 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. I've never had a problem with customer service, the few times I've lost the card or possibly had a charge made to it I didn't do. You can redeem rewards for a check, a statement credit, or a credit to your linked account with no minimum requirement for statement credits or direct deposit; check redemptions have a minimum of $5. Get the latest tips you need to manage your money delivered to you biweekly. thanks for the hard hit now on my credit too. Again, as of March 28, 2022, the CitiDouble Cash Card earns Citi ThankYou points instead of cash back, at a rate of 1 point per dollar when you make a purchase, and 1 point per dollar when you pay it off. 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. Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. Because it has no annual fee, the CitiDouble Cash Card is a great option as a long-term "keeper card" both for its strong earning and because your average account age is a factor in determining your credit score.
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