Hands Down the Top Card of 2024
The Citi Double Cash® Card offers a bonus worth $200 in cash back and incredibly long intro APR on balance transfers.
Apply NowThe Citi Double Cash® Card from our partner Citi is our top pick for consumers with fair to excellent credit looking to complete a balance transfer and earn cash back.
Bottom Line
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- 0% intro APR for 18 months on Balance Transfers
- 19.24% - 29.24% (Variable) after the introductory rates
- $0 annual fee
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.
- Select, “APPLY NOW” to apply online
Earn 1-5% Cash Back
The Citi Double Cash® Card offers 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Plus, for a limited time, you will earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. It’s important to note that you will need to pay at least the minimum due on time to earn cash back rewards.
$200 Welcome Bonus
The Citi Double Cash® Card also has an incredible welcome bonus worth $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.
Do you need some breathing room with your current credit card interest payments?
If so, the Citi Double Cash® Card is a great option that offers a 0% intro APR for 18 months on Balance Transfers. After the introductory period, a 19.24% - 29.24% (Variable) will apply. This incredibly generous intro period makes the Citi Double Cash® Card one of the best available options for balance transfers.
Here’s Why We Love This Card
The Citi Double Cash® Card is an attractive card for those interested in:
- Transferring existing balances
- $0 annual fee
- Earning a top-rated cash back rate on all purchases
- Earning a generous welcome bonus
Interested and want to find out if you’re approved? You could get a decision in 60 seconds or less. Apply Now.
Citi Double Cash® Card
Advertiser Disclosure
At CardCritics, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
If you are looking for an easy to understand, flat rate, cash back credit card that pays an above-average rate of 2% (1% when you buy and 1% as you pay), then this card from Citi (an advertising partner) is a fantastic option for you. There is also a compelling balance transfer intro APR offer and a welcome bonus. Read our in-depth Critical Analysis to learn more.Card Details From Issuer
- 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.
- 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. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Here’s How To Apply
The Citi Double Cash® Card is a great fit for anyone who wants plenty of time to pay down debt without being charged interest payments and earn cash back.
Interested and want to find out if you’re approved? You could get a decision in 60 seconds or less. Apply Now.
We think the Citi Double Cash® Card is tough to beat but if you would like to compare other cash back options we suggest this breakdown of the highest paying cash back cards.
As you can see, it is a great time to be in the market for a new credit card. Issuers are really stepping up their game and offering incredible perks to win your business. If you have good to excellent credit in the 670 – 850* range and have not recently applied for a new credit card then you should definitely apply for one of these standout options today.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.