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For the first time since 2018, consumers who open a Citi Double Cash Card can earn a sign-up bonus. The limited-time offer promises $200 cash back to cardholders who spend at least $1,500 in the six months after opening an account.
The sign-up bonus ups the draw for a card that comes with a simple cash back rewards program and no annual fee. Consumers who want to earn cash back without thinking about bonus categories can get strong, consistent rewards from the Citi Double Cash Card.
What Are the Citi Double Cash Card’s Key Features?
It’s not clear how long the sign-up bonus will last, but the Citi Double Cash Card comes with some other appealing features. Cardholders can earn flat-rate cash back: 1% when you spend, and another 1% when you make payments.
The card also has an introductory 18-month 0% annual percentage rate on balance transfers, making it a solid choice for consumers who want to pay off debt from another card without accruing interest. You’ll pay a 3% balance transfer fee in your first four months with an account and a 5% balance transfer fee after that. In either case, the minimum fee is $5.
Comparing Cash Back Credit Cards
If you’re willing to put a little more work into maximizing your credit card rewards, you can consider cards that earn in bonus categories – but keep in mind that these cards will likely offer a 1% or possibly a 1.5% base rewards rate.
If you’re considering the Citi Double Cash Card for its 18-month 0% APR on balance transfers, you can also consider some of U.S. News’ other Best Balance Transfer Cards. With the Wells Fargo Reflect Card, for example, you can get up to 21 months to repay a balance transfer with no interest.
You’ll also want to consider factors including fees and the interest rate after any introductory period when choosing a credit card.
Should You Get the Citi Double Cash Card?
The Citi Double Cash Card earns solid flat-rate cash back rewards for no annual fee, and the limited-time sign-up bonus makes it even more valuable. You should be sure to pay your entire balance each month to access the card’s full value.
Before you choose a new rewards credit card, though, you should think about your budget and willingness to keep track of different earning categories. You can also use U.S. News’ compare tool to help identify the best credit card for you.