Citi Double Cash 2021 Review: 2% Back On Everything


Top perks

Unlimited 2% cash back

The Citi® Double Cash Card – 18 month BT offer has the highest potential flat rate for cash back. “Potential” is the operative word here, because you receive 1% cash back when you make a purchase, then receive the other 1% when you pay the bill by its due date (you just need to make the minimum payment). If you pay late, you lose the second half of your cash back. It’s an interesting quirk that motivates you to pay your bill on time.

0% intro APR on balance transfers

The card has a 0% intro APR for 18 months on balance transfers. That’s among the longest intro offers available, even compared to the best balance transfer credit cards. That makes this card perfect for paying off debt using balance transfer strategies. 

No annual fee

The Citi® Double Cash Card – 18 month BT offer has a $0 annual fee. Many cash back cards have no annual fee, so this isn’t a major advantage for this card. But it’s still nice for your budget when you don’t have to pay anything for your credit card.

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Flexible redemption options

If you also have an eligible Citi travel card, such as the Citi Premier® Card or the Citi Prestige® Card, you can convert all the cash back you earn to Citi ThankYou points. You can then use those points for travel redemptions, including transfers to Citi’s many travel partners.

This option makes the credit card a fantastic complement to a Citi travel rewards card. You can use the travel card for any purchases where it will earn you bonus points. For all your non-bonus spending, you can take advantage of the Citi® Double Cash Card – 18 month BT offer and essentially earn 2 ThankYou points per $1 spent. It’s a simple, effective way to maximize your credit card rewards.

This card also offers the flexibility of redeeming cash back rewards for statement credits, direct deposit, and even mailing a check. 

Other benefits

The following Citi® Double Cash Card – 18 month BT offer perks won’t make big headlines like the flagship features listed above, but they do add value for cardholders.

  • Free FICO® Score: Citi credit cards include free access to your FICO® Score, which is a standout feature. While most credit cards offer credit score monitoring of some sort, Citi goes the extra mile to provide access to an official FICO® Score, which is what most credit lenders use to make a credit decision and will cost you money to review directly with MyFICO.
  • Increase your credit limit in the mobile app: Cardholders can answer a few quick questions in the app to see about potential approval for a higher credit limit.
  • Contactless payment: This valuable feature has become more important throughout the 2020 pandemic. The card is also available to use for services like Apple Pay and Google Pay
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