With this card, you can easily earn cash back rewards with no annual fee. Plus you can earn unlimited cashback.
The Citi Double Cash Card – The 18-month BT offer is often rated as one of the best cashback credit cards out there.
Citi Double Cash Credit Card
2% Cashback 0% annual feeLearn more about Citi Double Cash benefits and find out if this is the right card for you.
Citi Double Cash Features
This card works well for: Cardholders who want an excellent, high-yield option for a single-card wallet or those who want to settle debts faster with a lengthy credit transfer offer.
Benefits of Citi Double Cash
2% Cashback
The Citi Double Cash – 18 months BT offer has the highest potential flat rate refund.
The keyword here is potential, because you get 1% refund when you make a purchase, the other 1% you get if the invoice is paid on time (only the minimum deposit must be made).
If you pay late, you will lose the second half of your money back. It’s an interesting quirk that motivates you to pay your bill on time.
Introduction of 0% APR for balance transfers
The other big advantage of the Citi Double Cash Card – 18 month Bt offer is the introduction of 0% APR on balance transfers.
New cardholders receive an 18-month interest-free period on transferred credit. This is one of the longest transfer periods on the market.
If you have good credibility and want to pay off credit card debt, this can be a great way to reduce your interest costs. As with any credit transfer card, you must use this interest-free time to withdraw your credit.
After the introductory period ends, your APR will be filmed.
Please note that you will have to pay a transfer fee for the remaining balance. The fee – 3% of any credit transfer (minimum $5) – is the same as the best credit cards for credit transfers.
You must also complete all credit transfers within four months of opening the account.
It is important to note that you will not receive rewards for certain things, such as a credit transfer or a cash advance. You will only receive rewards for new purchases made with this card.
Also, this card does not offer introductory 0% APR interest on purchases. This promotion only applies to credit transfers.
Credit card protection
This credit card offers several protection mechanisms. Citi provides early fraud alerts on your account. You will be notified of suspicious activity by SMS, email, phone or post.
You can then confirm that it is an actual transaction or report it as a fraud. As we’ll see, the card also offers $0 fraud liability protection so you don’t have to pay fraudulent fees.
Your Citi Double Cash Card – BT 18 Month Offer protects you from identity theft, lost wallet or lost card.
For example, if you lose your card, you can use Citi Quick Lock to block new purchases and cash advances without interrupting ongoing transactions. So you can do your business and, if you find the card, unlock it and make new purchases.
Flexible redemption options
If you also have a qualifying Citi Travel Card, such as the Citi Premier Card or the Citi Prestige Card, any money you’ve earned can be converted into Citi Thank You Points.
You can then use these points for travel redemptions, including transfers to many Citi travel partners.
This option makes your credit card a fantastic addition to a Citi travel rewards card.
You can use the Travel Card for any purchase that earns bonus points. For all your no-bonus expenses, you can use the Citi Double Cash Card – 18 month offer bt and essentially earn 2 thank you points for 1 US dollar.
It’s an easy and effective way to maximize your credit card rewards.
This card also gives you the flexibility to redeem cash rewards for credits, make direct deposits and even send a check.
Cashback
The value you get with Citi Double Cash depends on how smart you are with it. In other words, make sure you pay at least the minimum amount due, or preferably the full amount, each month. You’ll only get all the potential cash back once you’ve paid off your debt, and the accrued interest can quickly match you with the rewards you deserve.
The amount of cashback rewards you can receive is unlimited. with Citi Double Cash, steal and earn as you go.
Citi Double Cash is a great choice for anyone looking for a daily credit card that gets a solid refund rate on every purchase – no rotating categories or refund calendars to keep an eye on.
However, there is no way to earn a welcome bonus using Citi Double Cash, which can be a disadvantage if you appreciate the bonus earning potential for everyone else.
To be eligible for Citi Double Cash, you need good, excellent credit (between 670 and 850), which means this card may not be the best choice for you if you are just starting to accumulate your credit or have a credit score of low to medium credit.
Above all, Citi Double Cash is only worthwhile if you can pay your debts and avoid long-term credit balances; If you don’t pay, you will only receive a 1% refund on each purchase.
If you have a history of skipping credit card payments or paying late bills, consider returning another card.
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