Citi Double Cash 0% APR & payoff plan.
The Citi Double Cash® Card offers a cash back reward system with an earning rate of 2% on all purchases—1% when buying and an additional 1% when paying. New cardholders can earn a $200 cash back bonus upon spending $1,500 within the first six months. There are no limits on cash back, no category enrollment required, and cash back is earned through ThankYou® Points. Additionally, users can earn 5% cash back on select travel booked via the Citi Travel® portal. Points are redeemable for cash back, direct deposits, or checks, with options for purchasing gift cards and travel. The card has no annual fee and offers various benefits, including 24/7 customer service, fraud protection, and access to entertainment offers.
Terms last verified Jun 26, 2026 from the issuer page. Always confirm current terms with the issuer before applying.
- 0% on purchases
- None
- 0% on transfers
- 0% for 18 months
- Balance transfer fee
- Intro fee of 3% of each transfer ($5 minimum); after that, 5% of each transfer ($5 minimum)
- Regular APR
- 17.49% - 27.49% variable
- Annual fee
- $0
- Issuer
- Citi
- Category
- Balance Transfer
Promo APR details
The offer details are subject to change and may not be available if you leave this page. New cardmembers only, subject to credit approval.
Payoff strategy
Do not use the card for purchases during the promo. Divide the transferred balance by 18 and automate that payment so the entire balance lands at zero before the snap-back rate hits.
When this card makes sense
The Citi Double Cash is most useful when the offer matches the job. If you are paying down existing debt, the 0% for 18 months 0% balance transfer window is the lever. If you are financing a planned purchase, lean on the none 0% purchase window. After the promo ends, the 17.49% - 27.49% variable regular APR is expensive — so the only winning move is finishing the payoff before the snap-back date.
Calculations are estimates for educational purposes only and do not constitute financial advice. Actual payoff timelines, interest charges, and credit outcomes may vary.