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Citi Double Cash Card - 18 month BT offer

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welcome offer

Intro 0% APR for 18 months on balance transfers (after that 17.74% to 27.74%variable).

Bonus Value

Approximately $0

Annual Fee

$0

Card Rewards

2% cashback on all purchases now convertible to Citi ThankYou points. 1% when you swipe and another 1% when you pay.

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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The Citi Double Cash Card - 18 month BT offer will get your cash flowing with 2% cashback on all purchases, now convertible to Citi ThankYou points. It has an intro 0% APR period, 18-month on balance transfers.

Card-Smart Tips & Advice
  • Max cards: Citi will only approve you for one personal card every 8 days, and only 2 Citi personal cards within 65 days
  • Credit bureau: Citi will usually pull your Experian credit report, sometimes Equifax, and sometimes Experian and Equifax  (depending on your state, search your state in our credit card database)
  • If you freeze your Experian credit report you can sometimes request the reconsideration department to pull your Equifax credit report
  • Combining same-day credit inquiries: Credit inquiries for all Personal Citi cards will be combined; also, credit inquiries for all Business Citi cards will be combined. Credit inquiries for Personal and Business card applications will not be combined. Note, you cannot get approved for more than one Citi personal card within 8 days (Combining credit inquiries will only make a difference when declined for your first try and you want to try a new one)
  • Application status: You can check your application status  here  or call 1 888 201 4523
  • Reconsideration: If declined you can call 1 800 695 5171 to be reconsidered
  • Quickest way to get my card: Citi will offer instant credit card numbers only on some cards (Custom Cash, Costco cards applied for in-store, AA, AT&T). Citi physical credit cards cannot be expedited and will arrive after 7-10 business days

Approval Monitor (submitted by HelpMeBuildCredit users)

85% Approved
742 Avg. Score of those approved
15% Denied
Approved 85% (73)
Denied 15% (13)

Credit limit range $500-$22,000

Avg. Credit limit$6,604

Approved 85% (73)
Denied 15% (13)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

Balance Transfer Terms
  • Balance transfer Fee: Intro fee for 3% or $5, whichever is greater for transfers completed within the first 4 months after that the fee. After that, your fee will be 5% of each transfer (minimum $5)
  • You cannot transfer balances from another credit card issued by Citi Bank
  • Balance transfers must be completed within 4 months of account opening
  • Beware: If you make a late payment or a payment is returned then a penalty APR may apply and you may lose the Intro APR Offer
Card Details And Benefits
Rewards

– 2% cashback on all purchases now convertible to Citi ThankYou points. 1% when you swipe and another 1% when you pay.

Foreign Transaction Fee

3%

How can the points be redeemed?

Cashback: The points can be redeemed as cashback for 1 penny per point.

Transfer to airline and hotel programs: If you only have the Citi Double Cash Card then you cannot transfer your points to any partners.

But if you also have the Citi Premier Card or the Citi Prestige, then you can transfer your points to one of these cards and then transfer your points to any of the following airline or hotel partners.

Airline partners:

Transfer Ratio Transfer Time
Aeromexico – Club Premier 1:1 Instant
Air France, KLM – Flying Blue 1:1 Instant
Avianca – LifeMiles 1:1 Instant
Cathay Pacific – Asia Miles 1:1 Instant
Emirates – Skywards 1:1 Instant
Etihad Guest 1:1 Instant
EVA Air Infinity MileageLands 1:1 2 days
JetBlue – TrueBlue 1:1 Instant
Qantas Frequent Flyer  1:1 Instant
Qatar Airways Privilege Club 1:1 2 days
Singapore Airlines  -KrisFlyer 1:1 2 days
Thai Airways – Royal Orchid Plus 1:1 4 days
Turkish Airlines – Miles & Smiles  1:1 Instant
Virgin Atlantic – FlyingClub 1:1 Instant

Hotel partners:

Ratio Transfer Time
Choice Privileges 2:1 Instant
Wyndham Rewards 1:1 24 hours

Additional Resources

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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