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, 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.
0% INTRO APR ON BALANCE TRANSFERS FOR 18 months & A $200 CASH BACK BONUS
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Citi Double Cash® Card
Balance Transfers: 0%, 18 months
Why We Like It
Card Details
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 18.24% - 28.24% (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, 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.
- 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.
Click here to apply for the Citi Double Cash® Card.
Bottom Line: Who Is This Card Best For?
The Citi Double Cash® Card(Rates and fees) is a 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. Some cards require at least good credit, so this could be a good choice if you're still working on building up your credit score.
- 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 18.24% - 28.24% (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 2% cash back.
» Click here to apply now and pay 0% introductory interest until 2027 on balance transfers
Benefits Card Details 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
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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.
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Pay a low intro APR on balance transfers and earn $200 cash back. No annual fee.