Citi® Double Cash Card – 18 month BT offer, a partner card, made headlines by offering an extraordinarily high flat-rate of cash back, but cash back isn't the only good argument for getting this card. Whether you are in the market for a credit card and are considering this cash back card from Citi, or already have this card and want to get to know it better, taking a minute to read through this Q&A could help answer many of your questions.

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Citi<sup>®</sup> Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer

APPLY NOWAt Citi's secure website
  • Earn cash back TWICE. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.99% – 25.99% based on your creditworthiness.
  • Click “Apply Now” to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.99% – 25.99% based on your creditworthiness.*
APPLY NOWAt Citi's secure website

0% Intro APR on Balance Transfers for 18 months*

15.99%– 25.99% (Variable)

$0

Why we like it
  • Earn cash back TWICE. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Introductory APR offer.
Excellent, Good

Here, GET.com provides answers about the benefits and lacks of Citi® Double Cash Card – 18 month BT offer.

Apply now for Citi® Double Cash Card – 18 month BT offer at the official Citi website.

Frequently Asked Questions About Citi® Double Cash Card – 18 month BT offer
How much cash back do I earn when I use this card?
Are there other benefits to using this card to make purchases?
Are there any transactions that I do not earn cash back for?
Is there a limit to the amount of cash back I can earn every month?
Can I only redeem my rewards for cash back?
How much does it cost?
Is this a good card to transfer balances from other cards onto?
Do I pay to transfer balances to this card?
Can I use this card to get cash at ATMs?
Is this a good credit card to use outside of the U.S.?
Is this a good card to use for travel bookings?
Does Citi charge me a penalty when I make my card payment late?
Do I get to view my credit score for free?
Can I use this card with Apple Pay?
Do I get airport lounge access or concierge services with this card?
Who is this card for?

Questions And Answers For Citi® Double Cash Card – 18 month BT offer

Question: How much cash back do I earn when I use this card?

Answer: Cash back is this card's biggest appeal, and for good reason. You earn 2% cash back on purchases: 1% when you buy and 1% as you pay for those purchases. As long as you pay off your balance in full every month, you earn a very high rate of cash back. Most cash back credit cards only give you a 1% flat rate for all purchases, with the closest competitors offering 1.5% cash back.

Question: Are there other benefits to using this card to make purchases?

Answer: Yes, this card also comes with the Citi Price Rewind service, in which Citi will look for lower prices on purchases you make (upon request) and if lower prices appear during 60 days after you make the purchase, you may be reimbursed for the difference.

Question: Are there any transactions that I do not earn cash back for?

Answer: Yes. As with all cash back credit cards, there are certain transactions which you do not earn cash back for. Cash back is not earned on cash advances, account fees, balance transfers, interest payments and returned items.

Question: Is there a limit to the amount of cash back I can earn every month?

Answer: No, there are no caps on cash back. You earn the same cash back on all purchases you charge to this card.

Question: Can I only redeem my rewards for cash back?

Answer: Aside from redeeming your cash back as a check or statement credit, you can also redeem your cash back for gift cards.

Question: How much does Citi® Double Cash Card – 18 month BT offer cost?

Answer: This card has no annual fee, so you don't pay a yearly or monthly fee to use it as you do with many other cards. That means the cash back you earn is straight savings.

Question: Is this a good card to transfer balances from other cards onto?

Answer: Yes it is. This card has a long 0% intro APR for 18 months on balance transfers, after which the regular 15.99% - 25.99% variable APR applies. It's important to note, however, that balance transfers do not earn cash back.

Question: Do I pay to transfer balances to this card?

Answer: Yes, this card charges 3% of each balance transfer; $5 minimum. Considering the long introductory APR period, however, the potential interest savings can easily make paying the balance transfer fee worthwhile.

Question: Can I use this card to get cash at ATMs?

Answer: You can get cash advances using this card, but you pay 5% of each cash advance; $10 minimum every time you use this card to get cash. Another disadvantage is that you get a 27.24% variable cash advance APR for balances resulting from cash advances.

Question: Is this a good credit card to use outside of the U.S.?

Answer: Not really, because it has a 3% foreign transaction fee. You pay that fee every time you use this card to pay for purchases in a foreign currency.

Question: Is this a good card to use for travel bookings?

Answer: Absolutely! Although this is not a good card to use while you travel, using it to pay for travel bookings is a smart move.

Question: Does Citi charge me a penalty when I make my card payment late?

Answer: If you pay your Citi® Double Cash Card – 18 month BT offer bill late just once, you will not pay a late-payment fee for your first late payment. Every additional late payment is subject to a late-payment fee of $0 for first late payment and up to $39 after that. On top of that, your APR will go up to a up to 29.99% variable penalty APR, and that penalty APR may apply indefinitely.

Question: Do I get to view my credit score for free?

Answer: No, you do not get free access to your credit score with Citi® Double Cash Card – 18 month BT offer.

Question: Can I use this card with Apple Pay?

Answer: Yes, Apple Pay users will have no trouble adding this card and using it with their eligible iPhone.

Question: Do I get airport lounge access or concierge services with this card?

Answer: You do not get airport lounge access like you do with some expensive credit cards, but you do get a concierge service which can help you save time by assisting you with dining, travel, shopping and entertainment arrangements and other time-consuming tasks.

Question: Who is this card for?

Answer: Everyone, because even if you have other cards that give you special benefits or high cash back for certain categories of purchases, you can still benefit from the flat-rate of cash back by using this card for the bulk of your spending.

More about Citi® Double Cash Card – 18 month BT offer:
Read Our Citi® Double Cash Card – 18 month BT offer Review
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