Citi Double Cash Card
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- Finance
2% cash back on everything — 1% when you buy, 1% when you pay. 0% intro APR on balance transfers for 18 months.
ABest for rewards after payoff
Citi Double Cash offers 18 months of 0% intro APR on balance transfers (transfers must be completed within 4 months of account opening), with a 3% fee for transfers in the first 4 months (then 5%). After the intro period, it becomes one of the best flat-rate cashback cards available: 2% back on all purchases (1% at purchase, 1% when you pay), with no rotating categories or activation required. For anyone who wants a single card to carry long-term, the Double Cash earns its keep well beyond the balance transfer window.
Pros
- 2% flat cashback makes it a top everyday card post-transfer
- 3% transfer fee in first 4 months (vs. standard 5%)
- No annual fee
Cons
- Only 18 months of 0% APR vs. 21-month competitors
- Transfer must be completed within 4 months of opening
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