- for Cash Rewards92
- for Everyday use95
Citi® Double Cash Card – 18 month BT offer
The Citi® Double Cash Card – 18 month BT offer is a little bit unusual. Not only do you earn cash back when you spend money, but you also earn cash back when you pay off your balance! You earn 1% back for each of those activities, for a total of 2% back on your purchases. Double Cash rewards can be redeemed for a check or statement credit, with a minimum redemption requirement of $25.
The Citi® Double Cash Card – 18 month BT offer doesn’t come with premium benefits, but it also doesn’t come with a premium price tag. With your $0 annual fee, you get good earning, but not a whole lot else. Nevertheless, it’s a good card option for someone looking for simplicity, or for someone who wants to supplement their other rewards cards in order to get more for purchases that otherwise would not earn a bonus.
The biggest downside of the Citi® Double Cash Card – 18 month BT offer is that it has a 3% foreign transaction fee, making it a terrible card to use while traveling abroad.
Bonuses and Benefits
Knowing what benefits come with a credit card can help you decide if it’s a good fit for you. Here we cover the bonuses and perks that the Citi® Double Cash Card – 18 month BT offer offers and the value of the Citi Citi® Double Cash Reward Program cashback you earn.
Right now, there isn’t a sign-up bonus for the Citi® Double Cash Card – 18 month BT offer, so you’ll want to take a close look at the ongoing benefits of the card to determine if it’s a good option for you. Even though there’s no sign-up bonus, Citi does offer a few nice perks. First off, you can pay your card late and have your late fee waived, but only once. We wouldn’t recommend taking advantage of this benefit on purpose, but it’s nice to have in your back pocket just in case. Citi also gives customers special access to purchase tickets to thousands of events every year.
What You Get
- Earn cash back TWICE. 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.
- Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.99% – 25.99% based on your creditworthiness.
- Click “Apply Now” to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
- Balance Transfers do not earn cash back.
- The standard variable APR for Citi Flex Plan is 15.99% – 25.99% based on your creditworthiness.
Your Citi rewards will not expire as long as your credit card account is kept open. If you decide you want to close your account, make sure to redeem your cash back first!
Everyday Earnings with Citi® Double Cash Card – 18 month BT offer
The Citi® Double Cash Card – 18 month BT offer has a simple earning scheme. You’ll earn 1% back for every purchase you make and an additional 1% when you pay your card off. That’s a total of 2% back for every single purchase. You don’t have to worry about category bonuses or categories that rotate throughout the year with this card.
Citi® Double Cash Card – 18 month BT offer Rewards
- All Purchases
The Citi® Double Cash Card – 18 month BT offer isn’t really a travel credit card, and therefore doesn’t come with travel-related benefits. The Citi® Double Cash Card – 18 month BT offerh doesn’t even waive foreign transaction fees, so you shouldn’t use this card abroad!
Foreign Transaction Fee
3% of each purchase transaction in U.S. dollars
24/7 Customer Service
Citi customer service representatives are available to assist you 24 hours a day, 7 days a week.
Earn Elite Status Fast
The Citi® Double Cash Card – 18 month BT offer doesn’t offer a way to earn elite status. It also doesn’t offer any elite benefits or recognition with any airline or hotel program.
Fees: the cost of Having Citi® Double Cash Card – 18 month BT offer
The Citi® Double Cash Card – 18 month BT offer doesn’t have an annual fee, so you don’t need to spend anything in order to cover it! What you should do is consider how much you could earn for making a purchase with a different credit card; if it’s less than two percent, you are better off paying with your Double Cash.
- Annual Fee
- Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater
- Foreign Transaction Fee
3% of each purchase transaction in U.S. dollars.
- Late Payment Fee
$0 for first late payment, up to $39 after that
Does the Card Pay for Itself?
Citi® Double Cash Card – 18 month BT offer is a no-fee card. You do not have to earn a certain amount of rewards in order to cover the cost since it’s free. It’s still good to know roughly how much you’ll be earning, though. We’ve broken out our estimates for the first- and second-year net earnings.
These estimates are based on an annual monthly spend of $2,000
Top 4 Benefits of the Citi® Double Cash Card – 18 month BT offer
The Citi® Double Cash Card – 18 month BT offer is a pretty simple card. Nonetheless, it has some great benefits!
- No Annual Fee: You’ll never have to pay anything for this card. That means all of the rewards you earn are pure bonus!
- 2% Cash Back on Everything: You don’t need to keep track of specific categories that earn more or less cash back; everything earns 2%!
- No Caps on Your Earning: Some credit cards that offer higher cash back have a cap on how much you can earn, but not with the Citi® Double Cash Card – 18 month BT offer.
- Late Fee Pass: If you accidentally miss a payment, Citi has you covered and won’t charge you a late fee–but only once.
Should You Get the Citi® Double Cash Card – 18 month BT offer?
The Citi® Double Cash Card – 18 month BT offer mostly makes sense under two circumstances. The first is for someone who is seeking simplicity. Since the Citi® Double Cash Card – 18 month BT offer doesn’t have rotating or any other type of bonus categories to worry about, all you have to do is swipe, pay off your card and reap the benefits!
The second type of person that the Citi® Double Cash Card – 18 month BT offer makes sense for is someone who has a few other rewards cards that cover popular purchase categories, like groceries, gas and travel, but they’re looking for a card for other purchases that otherwise would not earn a bonus. The Citi® Double Cash Card – 18 month BT offer is a great option for that!
Another thing that is great about the Citi® Double Cash Card – 18 month BT offer is that it doesn’t have an annual fee. You don’t need to worry about whether or not you are spending enough to make it worth keeping; the Citi® Double Cash Card – 18 month BT offer is always a keeper because it’s free.
Need more info? Check out our frequently asked questions. If you have other questions, please click on “Ask Now” below.
What kind of credit score do I need to get approved for the Citi® Double Cash Card – 18 month BT offer?
Most applicants who are approved for the Citi® Double Cash Card – 18 month BT offer card have a credit score of at least 690. However, if your credit score is higher, it is not a guarantee that you will be approved. Likewise, if your score is lower it’s not a guarantee that you won’t be. Citi will evaluate your entire application before making a decision.
- The Citi® Double Cash Card – 18 month BT offer has a 3% of each purchase transaction in U.S. dollars, which makes it a bad choice to use while traveling abroad. There are many other cards, even a few no annual fee cards, that don’t charge foreign transaction fees.
Double Cash rewards can be redeemed for cash back in the form of a check or statement credit. You need to redeem at least $25 worth of cash back regardless of how you decide to redeem.
The Citi® Double Cash Card – 18 month BT offer is a no annual fee card!
The Citi® Double Cash Card – 18 month BT offer card is issued as a Mastercard.
After you’ve gotten your Citi® Double Cash Card – 18 month BT offer, it is possible to request a credit line increase with Citi. It is generally recommended to wait at least three months to request the increase but waiting longer and using your card regularly (and paying it off on time) will help.
Compare Citi Cashback Cards
Other Citi Cashback cards
If you’re thinking about getting the Citi® Double Cash Card – 18 month BT offer, don’t forget to compare it to other Citi credit cards. Other cards worth considering are the Costco Anywhere Visa® Card by Citi and the Costco Anywhere Visa® Business Card by Citi. None of these cards offer sign-up bonuses and they all have no annual fee.
|Costco Anywhere Visa® Card by Citi|
|APR On Purchases||17.24%* (Variable)||15.99% – 25.99% (Variable)||17.24%* (Variable)|
|Second Year Value||$240||$480||$240|
The Costco Anywhere Visa® Card by Citi offers 4.0% cash back on gas purchases on the first $7,000 in annual spending (1.0% cash back after that), 3.0% cash back on restaurant and travel purchases, 2.0% cash back on other purchases from Costco, and 1.0% back for all other purchases. The Costco Anywhere Visa® Business Card by Citi earns the same bonuses for spending.
Both of Costco cards would be great if you don’t have a card that earns bonuses for gas, dining, travel, and you do most of your grocery shopping at Costco. These are the major categories that most people make regular purchases in, so it could be worth it to earn only 1.0% on purchases that fall outside of these categories in order to earn 4.0% and 3.0% in frequently visited categories.
If you already have cards that offer bonuses in some or all of these categories, it likely does not make sense to get one of the Costco branded cards. Additionally, you could get both a Costco card and Citi® Double Cash Card – 18 month BT offer and use the Double Cash on purchases that would otherwise earn just 1.0% with the Costco card.
Compare Citi® Double Cash Card – 18 month BT offer to Other Cards
It’s also worth comparing the Citi® Double Cash Card – 18 month BT offer to other credit cards that earn cash back or a currency that can easily be redeemed for cash back. The Discover it® Cash Back, Capital One® Quicksilver® Cash Rewards Credit Card, and Uber Visa Card are all such cards that also don’t have annual fees.
The major difference that is evident right away is the amount sign-up bonus each card offers. The Capital One® Quicksilver® Cash Rewards Credit Card offers $150, the Uber Visa Card offers $100, the Citi® Double Cash Card – 18 month BT offer has $0 and the Discover it® Cash Back doubles all of the cash back earned in the first year.
These cards are also all different in terms of the way rewards are earned. The Discover it® Cash Back offers bonus categories that earn 5.0% cash back and rotate every quarter and all other purchases earn 1% cash back. The Capital One® Quicksilver® Cash Rewards Credit Card earns unlimited 1.5% cash back on all purchases. With Uber Visa Card you can earn 4.0% cash back at restaurants, 3.0% back for certain major travel expenses, 2.0% back on most online and mobile purchases (including Uber rides) and 1.0% back everywhere else.
If you’re looking for simplicity, the Citi® Double Cash Card – 18 month BT offer offers a higher return than the Capital One® Quicksilver® Cash Rewards Credit Card. You’ll get a 2% for every purchase. The Discover it® Cash Back does potentially offer an even higher return, but only in specific, rotating categories. That adds a bit of work to maximize your rewards.
Whenever you apply for a credit card make sure you read the terms and conditions of the card and the rewards program to find out about minimum spend requirements and any restrictions to ensure you can successfully obtain the card and earn the rewards it offers.
Card Terms and Conditions
While it's easy to focus on the rewards offered by the Citi® Double Cash Card – 18 month BT offer, it's worth taking a closer look at the terms and conditions. There's a lot to consider as you think about how you're going to use the card. Will you carry a balance, get a cash advance or maybe make a big purchase? Below is a rundown of the various interest rates, purchase protections, security features and mobile banking options that come with this Mastercard.
- Intro APR:
- Intro APR for balance transfers:
- 0% 18 months on Balance Transfers
- Ongoing APR:
- 15.99% – 25.99% (Variable)
- Minimum Grace Period:
- See terms
Cash Advance Features
- Ongoing APR:
- 27.24% (Variable)
- Cash Advance Fee:
- Either $10 or 5% of the amount of each cash advance, whichever is greater
Security and Protections
The Citi® Double Cash Card – 18 month BT offer offers a handful of security features, including EMV Chip Technology, account alerts, $0 liability for unauthorized charges and more.
- 24 Hour Fraud Protection:
- Citi will alert you if unusual activity is detected on your account.
- Banking On the Go:
- Track your account while on the go with Citi’s mobile app
- EMV Chip + Signature Technology:
- Get global acceptance and enhanced security at merchants that use chip enabled terminals.
- The Lost Wallet Service:
- Get a card replacement, usually within 24 hours, if you lose your card.
- $0 Liability for Unauthorized Charges:
- You’re protected against unauthorized credit card charges on your account.
- Citi Identity Theft Solutions:
- Assistance should you become a victim of identity theft.
Citi offers a mobile banking app, which allows you to check your spending and monitor your account while you’re on the go. The Citi® Double Cash Card – 18 month BT offer is compatible with Apple Pay, Samsung Pay and Android Pay.
Additional Cardholder Benefits
In addition to the benefits listed above, the Citi® Double Cash Card – 18 month BT offer offers more benefits that could be valuable while you’re traveling or at home.
Editorial Disclosure: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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