Industry-Leading Balance Transfer Offer

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What truly sets the Citi Double Cash® Card apart is its exceptional balance transfer offer. The card provides a 0% introductory APR on balance transfers for 18 months, one of the longest periods available among major credit cards. After this period, a variable APR of 18.24% - 28.24% applies based on creditworthiness.

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With inflation concerns and rising interest rates affecting many households, this extended interest-free period provides valuable breathing room to pay down existing high-interest debt. New cardholders must complete transfers within four months of account opening and will pay a 3% intro balance transfer fee ($5 minimum) during this period (5% fee after the intro period).

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No Annual Fee

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One of our favorite things about the Citi Double Cash is that these benefits come with no annual fee. This means you don’t need to worry about calculating whether you’re spending enough to offset a yearly charge. Every dollar of cashback is pure value.

How It Compares to Other Top Cards

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Citi Double Cash vs. Wells Fargo Active Cash® Card

The Wells Fargo Active Cash® Card also offers 2% cash back on purchases with no annual fee. However, its balance transfer offer is shorter at 0% APR for 12 months from account opening (compared to Citi's 18 months). For debt consolidation needs, the Citi Double Cash provides a significant advantage with its additional six months of interest-free payments.

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Citi Double Cash vs. Chase Freedom Unlimited®

The Chase Freedom Unlimited offers 1.5% cash back on most purchases with additional bonus categories. While the Freedom Unlimited has a more complex rewards structure that can yield higher returns in certain categories, the Citi Double Cash's flat 2% rate is simpler and often more rewarding for general spending. Additionally, the Chase card typically offers shorter balance transfer periods, making the Citi Double Cash superior for debt management.

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Citi Double Cash vs. Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilve Cash Rewards Credit Card (see rates & fees) provides 1.5% cash back on all purchases with no annual fee. While it's a solid card, it falls short of the Citi Double Cash's 2% rate, meaning you’re leaving money on the table with everyday spending. The Quicksilver also typically offers shorter balance transfer promotions.

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Additional Benefits

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Beyond its primary features, the Citi Double Cash includes:

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• A solid welcome bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• The ability to convert cash back to Citi ThankYou Points (with additional transfer options if paired with premium Citi cards like the Citi Strata Premier℠ Card).

The Balance Transfer Value Proposition

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The Citi Double Cash’s 18-month 0% APR balance transfer offer deserves special attention. 

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Consider this scenario:

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If you’re carrying $5,000 in credit card debt at a typical 20% APR, you’re racking up roughly $1,000 in interest per year. Transferring this balance to the Citi Double Cash would cost you a one-time fee of $150 (3%) but would save you approximately $1,500 in interest over the 18-month promotional period.

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This extended timeframe allows you to create a manageable repayment plan, dividing your balance into 18 equal payments without the burden of compounding interest. For someone carrying significant high-interest debt, this feature alone can provide substantial financial relief during uncertain economic times.

Maximize Your Rewards with Kudos Tools

While the Citi Double Cash Card offers excellent value on its own, savvy cardholders can supercharge their rewards with our free tools. 

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Kudos Insights: Stop Leaving Money on the Table

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Kudos Insights works as your personal financial watchdog, automatically identifying opportunities to save money and maximize your rewards. According to our data, the average user with 2-3 cards misses out on $441 annually in extra rewards by using the wrong card for purchases.

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When paired with your Citi Double Cash Card, Kudos Insights can:

• Analyze your transactions to ensure you're using your Double Cash for all 2% cash back eligible purchases
• Identify when another card in your wallet might offer better category bonuses for specific merchants
• Alert you to unused card benefits and perks you might be overlooking
• Help you determine if the Double Cash's annual fee-free structure is the most cost-effective option in your wallet

Dream Wallet: Find Your Perfect Card Combination

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If you’re considering the Citi Double Cash Card or looking to pair it with complementary cards, Kudos Dream Wallet provides AI-powered recommendations based on your actual spending patterns.

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Dream Wallet can help you:

• Visualize exactly how much you'll earn in rewards with the Citi Double Cash based on your spending history
• Identify potential gaps in your rewards strategy that could be filled with additional cards
• Understand how the Citi Double Cash fits into your overall financial picture
• Make informed decisions about whether premium cards with annual fees would provide enough additional value to justify their cost
• Compare the Citi Double Cash side-by-side with up to three other card options to find your ideal combination

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Kudos Boost: Earn Extra Rewards on Online Shopping

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When you shop online, Kudos Boost can significantly enhance the value of your Citi Double Cash Card:

• While your Double Cash earns 2% on purchases, we give you 100% of the commission from partner stores on online purchases
• With over 15,000 partner merchants, you can stack your Double Cash rewards with Kudos Boost earnings
• Kudos automatically recommends which card to use for each purchase, ensuring you maximize both credit card rewards and Boost benefits
• The seamless browser integration means you don’t have to change your shopping habits to earn extra rewards

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By combining the Citi Double Cash Card with Kudos tools, you can turn a great 2% cashback card into an even more powerful rewards-earning machine. Users report earning hundreds of additional dollars annually through this strategic combination!

Who Should Get This Card?

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The Citi Double Cash is ideal for:

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• Consumers seeking a simple, high-earning cashback card for everyday spending
• Those looking to consolidate and pay down existing credit card debt
• People who prefer straightforward rewards without category tracking
• Anyone who wants valuable benefits without paying an annual fee
• Cardholders who want to maximize rewards through tools like Kudos Insights, Dream Wallet, and Kudos Boost

Final Verdict

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The Citi Double Cash Card offers an impressive combination of rewards, debt management tools, and affordability that makes it a standout option. Its industry-leading 18-month balance transfer period provides exceptional value during economic uncertainty, while the flat 2% cashback rate ensures you’re maximizing returns on every purchase.

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For most people, this card deserves a permanent place in your wallet, serving either as a primary spending card or as a valuable component in a more complex rewards strategy. When paired with free tools like Kudos Insights, Dream Wallet, and Kudos Boost, the value proposition becomes even stronger, allowing you to potentially earn hundreds of additional dollars in rewards annually.

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Whether you’re focused on earning rewards or managing debt, the Citi Double Cash delivers exceptional value with minimal complexity.

Frequently Asked Questions

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What credit score do I need for the Citi Double Cash Card?

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Most successful applicants have a credit score of 580 or higher.

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How does the 2% cash back actually work?

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The Citi Double Cash Card gives you 1% cash back when you make a purchase and another 1% when you pay for that purchase. To receive the full 2%, you must pay at least the minimum payment due on time.

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Is there a sign-up bonus?

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Yes, the Citi Double Cash Card currently offers $200 cash back after spending $1,500 on purchases within the first 6 months of account opening. The bonus is fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back.

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What's the balance transfer fee?

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There’s an introductory balance transfer fee of 3% (minimum $5) for transfers completed within the first 4 months of opening your account. After that, the fee increases to 5% (minimum $5) per transfer.

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Do balance transfers earn cashback?

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No, balance transfers do not earn cash back with the Citi Double Cash Card. Only new purchases are eligible for the cashback rewards.

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Is there a foreign transaction fee?

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Yes, the Citi Double Cash Card charges a 3% foreign transaction fee on purchases made outside the United States. If you travel internationally frequently, you might want to consider a different card for those purchases.

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How can I redeem my cashback?

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You can redeem your cash back as a statement credit, direct deposit to a linked bank account, or check by mail. You can also convert your cashback to ThankYou Points, which can be redeemed for travel, gift cards, or transferred to select travel partners if you also have a premium Citi card.

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Is there a 0% APR period for purchases?

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No, the Citi Double Cash Card does not offer a 0% introductory APR period for purchases. The 0% intro APR applies only to balance transfers completed within the first 4 months.

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What’s the credit limit for the Citi Double Cash Card?

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Credit limits vary based on individual creditworthiness. Reported credit limits typically range from $1,500 to $20,000, with an average of around $7,500.

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How does this card compare to other balance transfer cards?

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The Citi Double Cash offers one of the longest balance transfer periods on the market at 18 months. While some cards offer slightly longer periods (up to 21 months), they typically don’t have the same ongoing rewards rate of 2% cash back, making the Citi Double Cash a better long-term value.

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Can I use tools like Kudos to enhance my Citi Double Cash rewards?

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Absolutely! Kudos helps you maximize your Citi Double Cash rewards by ensuring you use the card optimally, pair it with complementary cards, and earn additional rewards on online shopping.

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