Citi Double Cash® Credit Card

Fees:

  • No annual fee.
  • Balance transfer fee: Introductory fee of 3% ($5 minimum) within the first 4 months; after that, 5% ($5 minimum).

APR:

  • 0% introductory APR for 18 months on balance transfers.
  • Post-introductory APR: 18.24% – 28.24% (variable), based on creditworthiness.

Offer:

  • Earn $200 cash back (as 20,000 ThankYou® Points) after spending $1,500 on purchases within the first 6 months.
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  • Unlimited 2% cash back on all purchases: 1% when you buy and 1% as you pay, with no caps or category restrictions.

  • Special travel promotion: 5% total cash back on hotels, car rentals, and attractions booked through the Citi Travel℠ portal through 12/31/2025.

  • Flexible redemption options for cash back, including statement credit, direct deposit, checks, or alternative rewards like gift cards and travel.
Features
  • Earn 1% cash back when you make purchases and another 1% when you pay for those purchases.
  • No caps or category restrictions on cash back earnings.
  • 0% introductory APR for 18 months on balance transfers.
  • Redeem rewards for cash back, gift cards, travel, or Shop with Points at Amazon.com.
  • Special travel promotion offering 5% cash back on eligible bookings through the Citi Travel℠ portal.
Details

The Citi Double Cash® Credit Card is an excellent choice for users who want straightforward and rewarding cash-back benefits. With unlimited 2% cash back (1% on purchases and 1% as you pay), no category restrictions, and no annual fee, this card is a simple yet effective option for maximizing everyday spending. A generous introductory 0% APR for 18 months on balance transfers and a $200 sign-up bonus make it even more appealing. Its flexible redemption options, including statement credits, direct deposits, and gift cards, enhance its usability, while a special travel promotion through 2025 offers added value for frequent travelers.

Pros
  • No annual fee.
  • Unlimited 2% cash back with no caps or restrictions.
  • 0% intro APR for 18 months on balance transfers.
  • Generous $200 cash back sign-up bonus.
  • Flexible reward redemption options.
Cons
  • High APR after the introductory period (18.24% – 28.24%).
  • Balance transfer fee applies.
  • No bonus categories for higher cash-back rates outside of limited-time promotions.
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Responsible Credit Card Usage

While credit cards can offer convenience and benefits, it’s crucial to use them with caution. Be aware of interest rates, fees, and repayment terms to avoid accumulating unmanageable debt. It’s easy to overspend, so always stay within your budget and aim to pay off your balance in full each month to avoid interest charges. Before choosing a credit card, thoroughly review its terms and conditions directly with the provider and ensure that it aligns with your financial situation and spending habits. Responsible usage is key to maintaining good financial health.

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