Citi Double Cash 0% APR & payoff plan.
A no-annual-fee card built around an 18-month 0% balance transfer window. There is no intro rate on purchases.
Terms last verified Oct 6, 2026 from the issuer page. Always confirm current terms with the issuer before applying.
- 0% on purchases
- None
- 0% on transfers
- 18 months
- Balance transfer fee
- 3% intro, then 5%
- Regular APR
- 18.49% to 28.74% variable
- Annual fee
- $0
- Issuer
- Citi
- Category
- Balance Transfer
Promo APR details
0% applies only to balance transfers completed within 4 months of account opening, for 18 months from opening. Purchases accrue interest at the regular APR from day one. Those first transfers cost 3% (min $5); later ones 5% (min $5).
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 18 months 0% balance transfer window is the lever. It has no 0% rate on purchases, so new spending accrues interest from day one. After the promo ends, the 18.49% to 28.74% 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.