Citi® Double Cash Card – 18 month BT offer Review

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Citi® Double Cash Card – 18 month BT offer snapshot

If you hate paying your monthly credit card bill, the Citi® Double Cash Card – 18 month BT offer (Citi is a CreditSesame.com advertiser) can be a great motivator. With this card you earn 2% cash back on purchases: 1% when you buy plus 1% as you pay. We think you get one of the best cash back credit cards on the market. It’s a perfect fit for anyone who wants an easy but effective cash back credit card.

Citi® Double Cash Card – 18 month BT offer highlights

Annual Fee$0*
Foreign Purchase Transaction Fee3% of each purchase transaction in U.S. dollars
Rewards RateEarn 2% cash back on purchases: 1% when you buy plus 1% as you pay
We Think It's Great For:Those who want an easy card to manage
Those who do not want to pay an annual fee
Those who want time to pay off transferred credit card balances
We Think These Folks Should Do More Research:Those who want travel rewards
Those who like bonus categories to earn extra cash back
Those who want a bonus offer
Additional Notes:Terms apply

Citi® Double Cash Card – 18 month BT offer review & comparison

Before you sign up for the Citi® Double Cash Card – 18 month BT offer, you may want to check out what other credit cards bring to the table.

Chase Freedom®

Chase Freedom® is another no annual fee card. With this card earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Unlimited 1% cash back on all other purchases. Qualifying new Cardmembers earn a $150 Bonus after spending $500 on purchases in their first 3 months from account opening. You potentially can earn more cash back rewards with Chase Freedom®, at least in the first year, based on your spending habits, and if you qualify for the $150 bonus. Terms apply.

Chase Slate®

With Chase Slate® save with a $0 intro balance transfer fee for 60 days, get 0% intro APR for 15 months on purchases and balance transfers, and $0 annual fee. After the introductory APR period ends the ongoing purchase and ongoing balance transfer variable APR of 17.24-25.99% applies. By making the balance transfer during the first 60 days your account is open Chase Slate® offers $0 Introductory balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfer transactions is 5% of the amount transferred with a minimum of $5. As an example if you are approved to transfer over $5,000 to the Chase Slate® card and you make the transfer during the introductory balance transfer fee period, you’d save $250 on balance transfer fees at the 5% balance transfer fee rate. The Chase Slate® card doesn’t earn rewards so our thinking is, it makes the most sense as a balance transfer card. Terms apply.

Chase Freedom Unlimited®

The Chase Freedom Unlimited® is one more cash back card that’s incredibly easy to use. Earn a straight unlimited 1.5% cash back on every purchase – it’s automatic.

Qualifying new Cardmembers earn a $150 Bonus after spending $500 on purchases in their first 3 months from account opening. Terms apply.

[Also Read: 5 Best Chase Bank Credit Cards]

Citi® Double Cash Card – 18 month BT offer basics

The Citi® Double Cash Card – 18 month BT offer also has no annual fee* so if you use the card responsibly, with the rewards program you’re earning money from Citi. This card does charge a foreign purchase transaction fee of 3% of each purchase transaction in U.S. dollars, so for your next trip abroad, you may want to leave this one at home.

With the Citi® Double Cash Card – 18 month BT offer you earn 2% cash back on purchases: 1% when you buy plus 1% as you pay. Most credit cards reward you for spending but Citi® Double Cash Card – 18 month BT offer also rewards you for paying off your balance for the purchases you made. It still won’t make paying your bill fun but it’s at least some extra motivation.

Citi® Double Cash Card – 18 month BT offer rewards

citirewards

Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay. With Citi® Double Cash Card – 18 month BT offer, you earn cash back.

The Citi® Double Cash Card – 18 month BT offer doesn’t have special categories to track, no caps on cash back. This may appeal to those who don’t want to worry about juggling different cards for different rewards categories.

Citi® Double Cash Card – 18 month BT offer pros

yesGreat rewards rate

The rewards program – earn 2% cash back on purchases: 1% when you buy plus 1% as you pay is fantastic, in our opinion, no matter which way you look at it. The program is also a great incentive to pay off your spending so you can stay debt-free.

Simple program

With the Citi® Double Cash Card – 18 month BT offer you don’t have to figure out which card to use or sign up for quarterly bonuses.

Citi® Double Cash Card – 18 month BT offer cons

noNo bonus offer

While many cards offer bonuses for eligible new Cardmembers who meet specific spend requirements within a set period of time after account opening, the Citi® Double Cash Card – 18 month BT offer does not. A little disappointing if you want a chance to earn a cash back bonus.

No bonus categories

Tracking bonus categories takes some extra work but lets you earn cash back incredibly fast, depending on the card issuer, it could be at a rate of 5% or more. The Citi® Double Cash Card – 18 month BT offer does not give you this option.

Should you get the Citi® Double Cash Card – 18 month BT offer?

If you want a simple and effective way to earn cash back, the Citi® Double Cash Card – 18 month BT offer is a great choice. You just use the card as normal and earn 2% cash back on purchases: 1% when you buy plus 1% as you pay. While there are other cards that can earn more with some careful planning, in our opinion, the Citi® Double Cash Card – 18 month BT offer offers a solid combination of being both easy and rewarding. Nothing wrong with being a little lazy!

Terms apply.


Disclaimer: All the information about the Chase Slate® card has been collected independently by CreditSesame.com and has not been reviewed or provided by the issuer of this card. The Chase Slate® card is not available through CreditSesame.com.

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*See the online provider’s application for details about terms and conditions. Offers are subject to change and the terms displayed may not be available to all consumers. Please visit the provider’s site for current information and verify all terms and conditions of any offer prior to applying.

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

Disclaimer: The article and information provided here is for informational purposes only and is not intended as a substitute for professional advice.

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Published July 12, 2016
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