Citi Double Cash^® Card

Pay No Interest on Balance Transfers Into 2027 + Earn a $200 Welcome Bonus

• Earn up to 2% cash back on every purchase
• 0% introductory APR on balance transfers for 18 months (then 17.49% - 27.49% (Variable))
• No annual fee

Updated April 23, 2026

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on Citi's secure website

Rates and fees

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on Citi's secure website

Rates and fees

Balance transfer credit cards can help you pay off high-interest debt faster, and potentially save hundreds, even thousands, in interest in the process. The Citi Double Cash^® Card(Rates and fees), from our partner Citi, is one of our favorites for its extra-long no interest intro period on balance transfers, simple cash back structure, and massive welcome bonus.

Excellent for high flat-rate cash back rewards

Citi Double Cash^® Card

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5.0

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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on Citi's secure website

Rates and fees

Intro APR

Purchases:
N/A, N/A

Balance Transfers:
0%, 18 months

Regular APR

17.49% - 27.49% (Variable)

Annual Fee

$0

Rewards Rate

2% - 5% Earn 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

Cash back

Why We Like It

• A strong option if you’re looking to move existing balances and reduce interest during the intro window — get 0% intro APR on balance transfers for 18 months (then APR is 17.49% - 27.49% (Variable))
• That extended balance transfer intro period could give you meaningful time to make progress on debt transferred from other cards or loans without piling on additional interest
• No annual fee — so more of your payments could go toward your balance instead of extra costs

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on Citi's secure website

Recommended Credit FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent (670 - 850)

Card Details

Card Details

• 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 17.49% - 27.49%, 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).

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on Citi's secure website

Rates and fees

Why We Gave The Citi Double Cash^® Card A 5-Star Rating 

When deciding our star rating, we weigh a number of factors, including the card's welcome bonus, reward rate, redemption options, and overall simplicity of the card.  

The Citi Double Cash^® Card shines in all these categories, as it offers the ability to earn up to 2% cash back on every purchase, has a number of convenient redemption options, and more. Let's break it down.

Benefits and perks:

• New cardholder 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.
• Extra-long intro APR: Tackle your high-interest debt thanks to a generous 0% intro APR on balance transfers for 18 months. After the intro period, the go-to APR is 17.49% - 27.49% (Variable).
• Unlimited cash back in all categories: Simply use your card for your everyday spending and you can earn 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.
  
• Flexible redemption options: Cash back is earned in the form of Citi ThankYou Points. You can redeem them as a check, statement credit, direct deposit, gift cards, merchandise, or even travel through the Citi Travel portal.
• No annual fee: Keep even more money in your wallet with a $0 annual fee.

Recommended Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good

670-739

Excellent

740-850

» Click here to apply for the Citi Double Cash^® Card

How The Citi Double Cash^® Card Stacks Up

With no annual fee, a lengthy intro APR offer on balance transfers, and generous welcome bonus, our experts think the Citi Double Cash^® Card(Rates and fees) is tough to beat. But how does it stack up against the competition? See a side-by-side comparison below.

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Citi Double Cash® Card

5.0

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Citi's secure website

Rates and fees

Intro APR

Purchases:
N/A, N/A

Balance Transfers:
0%, 18 months

Regular APR

17.49% - 27.49% (Variable)

Reward Rate Earn 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

2% - 5% Cash back

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

$200

Annual Fee

$0

Recommended
Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent

Apply Now

Discover it® Cash Back

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Capital One's secure website

Rates and fees

Intro APR

Purchases:
0%, 15 months

Balance Transfers:
0%, 15 months;

Balance transfer fee applies

Regular APR

17.49% - 26.49% Variable

Reward Rate Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

1% - 5% Cash back

Welcome bonus 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. You could turn $150 cash back into $300.

Cashback Match™

Annual Fee

$0

Recommended
Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent

Apply Now

Chase Freedom Unlimited®

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Chase's secure website

Rates and fees

Intro APR

Purchases:
0%, 15 months

Balance Transfers:
0%, 15 months

Regular APR

18.24% - 27.74% Variable

Reward Rate Earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases

1.5% - 5% Cash Back

Welcome bonus Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening (limited-time offer)

$250 Bonus

Annual Fee

$0

Recommended
Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent

Bottom Line: Who Is This Card Best For?

The Citi Double Cash^® Card(Rates and fees) is a great choice for anyone who:

• Has good credit or better: Applicants should typically have good, or excellent credit for the best chance of approval. 
• Wants to get out of debt: You're not going to find many cards offering 0% intro APR on balance transfers for 18 months, especially with cards offering rewards. You have well over a year to pay down debt without interest, which could translate to a boatload of savings on top of the cash back you could earn on purchases. After the intro period, the go-to APR is 17.49% - 27.49% (Variable).
• Is looking for simple but powerful cash back: There are no categories to track or activate, and no spending caps on reward rates — just spend and earn up to 5% cash back.

» Click here to apply now and pay 0% introductory interest until 2027 on balance transfers

Earn Cash Back Twice

Citi Double Cash^® Card

Benefits Card Details

• Simple flat-rate cash back on all your purchases
• 0% intro APR on balance transfers for 18 months, then 17.49% - 27.49% (Variable) APR
• No annual fee
• Apply Now

• 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 17.49% - 27.49%, 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).

5.0

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Citi's secure website

Rates and fees

Read Card Review

Intro Offer

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

Annual Fee

$0

+ -

Why we like it

• Earn 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. To earn cash back, just be sure to pay at least the minimum due on time.

• In addition to unlimited cash back on all your purchases with no confusing categories, this card also offers 0% intro APR on balance transfers for 18 months, then 17.49% - 27.49% (Variable) APR, and no annual fee.

• Apply Now

Citi Double Cash® Card

Pay a low intro APR on balance transfers and earn $200 cash back. No annual fee. This card offers a 0% introductory APR period on balance transfers for 18 months, then 17.49% - 27.49% (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

Rates and fees

Apply Now Rates and fees