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.
|Credit Card||Features||Intro APR||Regular APR||Annual Fee||Why we like it||We least like||Credit Required||Related links|
Citi® Double Cash Card – 18 month BT offer
0% Intro APR on Balance Transfers for 18 months*
15.74% - 25.74%* (Variable)
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Here, GET.com provides answers about the benefits and lacks of Citi® Double Cash Card – 18 month BT offer.
Questions And Answers For Citi® Double Cash Card – 18 month BT offer
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.
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.
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.
Answer: No, there are no caps on cash back. You earn the same cash back on all purchases you charge to this card.
Answer: Aside from redeeming your cash back as a check or statement credit, you can also redeem your cash back for gift cards.
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.
Answer: Yes it is. This card has a long 0% intro APR for 18 months on balance transfers, after which the regular 15.74% - 25.74%* variable APR applies. It's important to note, however, that balance transfers do not earn cash back.
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.
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 27.49% variable cash advance APR for balances resulting from cash advances.
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.
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.
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.
Answer: No, you do not get free access to your credit score with Citi® Double Cash Card – 18 month BT offer.
Answer: Yes, Apple Pay users will have no trouble adding this card and using it with their eligible iPhone.
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.
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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