Balance transfer cards can help you pay off high-interest debt faster. FinanceBuzz's credit card experts reviewed dozens of cards with 0% intro APR offers for balance transfers and Citi Double Cash® Card is one of our favorites for its extra-long no interest period and simple cash back structure.
What we like about the Citi Double Cash
Where this card really shines is its 0% introductory APR period for balance transfers for 18 months, then 18.49% - 28.49% (Variable). If you have high interest credit card debt, transferring it to the Double Cash could give you time to pay off your balance without accumulating additional interest. It's a great tool for getting out of debt faster.
More benefits and perks
- 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, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
- No more worries about unauthorized charges: You're completely protected against unauthorized charges on your Citi account. You will not be responsible for a charge that you did not authorize, online or otherwise.
- Access to presale event tickets and more: Citi Entertainment offers special access to thousands of events, including dining experiences, concerts, and sporting events.
- No annual fee: Keep even more money in your wallet - with the Citi Double Cash, the annual fee is simply $0.
- Apply online now
Who is this card best for?
The Citi Double Cash Card is great choice for anyone who:
- Has fair credit or better: Applicants should typically have fair, good or excellent credit for the best chance of approval.
- Wants to save money on high-interest debt: It's hard to beat the 0% introductory APR period for balance transfers for 18 months. The ongoing APR is 18.49% - 28.49% (Variable).
- Hates tracking spending categories: There's nothing to track with the Double Cash - just spend and earn up to 2% cash back.
- Doesn't want to pay an annual fee: The annual fee is simply $0.
Is there a better balance transfer card?
The Citi Double Cash is considered one of the best balance transfer cards available for good reason. New cardholders have a long time to pay down their transferred balances before interest kicks in. You could pay down some sizable debt with such a lengthy balance transfer period. Plus, there's no annual fee to worry about and you'll earn cash back on your purchases.
Bottom Line
The Citi Double Cash® Card(Rates and fees) is a great choice for almost everyone. Who doesn't love a 0% intro APR on a balance transfer — without an annual fee?
- Twice the 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; plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
- Debt buster: Enjoy a 0% introductory APR on balance transfers for 18 months. After the intro period, the APR is 18.49% - 28.49% (Variable).
- No annual fee: The Double Cash has no annual fee. Perfect for someone looking to pay down debt, not add to it.
» Click here to apply now and pay 0% interest into 2026 on balance transfers
Frequently Asked Questions
Have questions about no interest credit cards? We've answered the most common ones below to help you choose the right card for you.
If you can pay off your credit card before the promotional period ends, a 0% intro APR credit card can be worth it. Some of these cards might also be able to earn you bonus cash back on certain new purchases. However, a plan to pay off the credit card is important if you want to save money on interest and get rid of your debt faster.
Anyone who qualifies can take advantage of a 0% intro APR offer, so the list of the type of people who can benefit from one is long. However, here are two specific examples in which a 0% intro APR offer can make a significant difference:
- People with crippling credit card debt: If you’re struggling to get ahead on paying down your credit card debt, high interest rates could be part of the problem. If you can qualify for a balance transfer credit card, you can remove interest costs from the equation, at least for a time, while you focus on eliminating your debt.
- People with emergency expenses: If you’ve lost a job, experienced a short-term disability, or dealt with expensive car or home repairs, a 0% intro APR credit card can help you cover the cost of your emergency expenses and give you time to pay for them interest-free.
When your 0% intro APR promotional period ends, your account APR will change to its regular APR, which was set when your account was opened. This may be a variable APR that takes into account your creditworthiness, or it may be a fixed APR. If you pay off your balance in full every month, you’ll continue to be able to use the card interest-free. But if you carry a balance from month to month, you’ll pay interest on that balance.
APR, or annual percentage rate, is a number that expresses how much you’ll pay for borrowing money, including interest, fees, and other charges. An interest rate is how much interest you’re charged for borrowing money. The APR and interest rate for credit cards are basically the same thing, but these rates are typically different for loans.
Pay a low intro APR on balance transfers and earn $200 cash back. No annual fee.