Review of Citi Double Cash Credit Card
The Citi Double Cash Credit Card – 18 months BT offer makes it easy to earn rewards on every purchase with no annual fee. The Citi Double Cash Credit Card – 18-month BT offers are often an excellent card for everyday purchases because of their straightforward cashback program and no annual fee, categories, or caps. Review this card’s details to think about whether it’s an honest choice for you. With the Citi Double Cash Card – 18-month BT offer, you earn 1% cash back on purchases and 1% cash back once you buy anything. Balance transfers and cash advances aren’t eligible to earn rewards.
The Citi Double Cash Card awards cashback in two steps: You get 1% back once you make a sale and a further 1% back as you create payments on the acquisition. To earn cashback, your account must be current, meaning you want to make a minimum of the minimum payment on time. If you don’t make a minimum of the minimum payment one month, you won’t earn even half of the cash back on purchases made during that billing cycle. While there’s no sign-up bonus, the Citi Double Cash Card – 18 months BT offer does offer you 18 months of 0% APR after all transfers. Then, the variable APR becomes 13.99% – 23.99% (Variable), supported your creditworthiness.
Balance Transfer Info
After making a balance transfer, you want to pay your entire balance fully, including balance transfers and new purchases you made in that period, to avoid paying interest. Your balance will begin accruing interest at its variable APR if you don’t pay it fully once the promotional period is over. So, while the cardboard gives you 18 months of 0% interest after all transfers, this is often only an honest deal if you’ll pay it off – alongside any new changes you would possibly make. While an easy rewards earner with a solid balance transfer offer, the Citi Double Cash Card – 18 months BT offer isn’t the simplest choice for everybody.
Additionally, to not earning full cashback rewards until payment is formed. It offers features a 3% foreign transaction fee, making it a poor choice for international purchases. The Citi Double Cash Card – 18 months BT offer also can have a high APR, supported your creditworthiness. Review your credit card habits: If you always carry a balance, this is often probably not the cardboard for you. Highlights Earn 2% on every purchase with unlimited 1% cashback once you buy. Plus a further 1% as you buy those purchases.
To earn cashback, pay a minimum of the minimum due on time. Balance Transfer Offer: 0% intro APR after all Transfers for 18 months. Then, the variable APR is going to be 13.99% – 23.99%, supported your creditworthiness. Balance Transfers don’t earn cashback. If you transfer a balance, interest is going to be charged on your purchases. There is a balance transfer fee of either $5 or 3% of the quantity of every transfer, whichever is bigger.
Citi Double Cash: Details and Benefits
The Citi Double Credit Cash Card is pretty simplistic in terms of additional card benefits. But that doesn’t mean those the cardboard does offer aren’t useful. 0 percent APR offer in addition to being a cashback card. Moreover, Citi Double Cash doubles as a balance transfer credit card. The 18-month 0 percent introductory APR offer after all transfers are one of the longest balance transfer periods currently available.
If you’re taking advantage of the offer, you’ll still owe either $5 or a 3 percent fee, whichever is bigger. Additionally, balance transfers must be made within the first four months of account opening to qualify for the speed. For reference, if you had $6,000 in credit card debt and transferred it to the Citi Double Cash. You’ll pay just over $333 a month for 18 months. And completely wipe out your debt—all without paying extra interest.
Bear in mind, you’d also owe a $60 balance transfer fee at a time. Security and protection perks in addition to a solid flat-rate rewards structure. The Citi Double Cash extends a myriad of security and fraud protection. Get $0 fraud liability, 24-hour fraud protection, Citi fraud Solutions, and Lost Wallet Service. Meaning Citi will replace your lost card within 24 hours and supply you with emergency take advantage in the meantime. Citi Entertainment Citi Entertainment gets you access to events, football matches, presale tickets, and more, whether it’s a music festival.
It’s important that your spending garners which are enough rewards to justify paying an annual fee. But with the Citi Double Cash, there’s no need; the cardboard doesn’t charge an annual fee, meaning there’s no recurring yearly cost to have the cardboard. The Citi Double Cash offers a lengthy 0 percent introductory APR after all transfers for 18 months. The Citi Double Cash Credit Card – 18-month BT offer features the flexibility to earn cashback.
And convert your rewards to Thank You points. Thank You points can be valuable. The Thank You rewards program is not as straightforward as others and requires a little knowledge. Cashback earned from the Citi® Double Cash Card – 18-month BT offer converts to Thank You points at a 1:1 ratio. This means you could turn $1000 in cash rewards into 1,00,000 Thank You points. Then, you could redeem points for gift cards, travel, purchases at eligible retailers, and other options.