Bottom Line:

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.
• Intro APR of 0% for 18 months on Balance Transfers, 18.24% - 28.24% (Variable) APR thereafter. Apply online today and enjoy zero interest on balance transfers into 2026. This period begins from the date of your first transfer.
• Earn unlimited 2% cash back on every purchase. One of the highest flat-rate cash offers we’ve seen with no strings attached.
• No annual fee. The card is designed to help you save money. You’ll automatically avoid any annual or upfront fees.

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Bigtime reward potential doesn’t usually piggyback with long-term balance transfer offers, but this card is flipping the script on all sorts of killer combinations. Let’s look at all the angles the Citi Double Cash® Card uses to save you a bundle while you rack up the cash back.

Why We Rate This a Top Card for 2025

When it comes to cash back cards, this card from our partner Citibank is truly one of a kind – it's the only card that allows you to earn cash back twice. Cardholders earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.This card has no rotating categories and no special bonuses on certain spending. You simply earn the same flat rate of 2% no matter what you are purchasing.

The Citi Double Cash® Card offer also comes with a game-changing Intro APR of 0% for 18 months on Balance Transfers, 18.24% - 28.24% (Variable) thereafter, making this an excellent choice for anyone looking to escape from high interest rates on their current credit card.

What we're seeing is the Citi Double Cash® Card drives interest from people who…

… Love earning cash back on everyday purchases, up to 2% back

… Want to earn a $200 sign up bonus

… Need a time window to pay off their balance before they start paying interest. If you were to sign up online for the card today, you’d have until 2026 before you start getting hit with interest charges. It's like taking an 18-month vacation from paying interest!

More than just a Cash Back card

2% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, is reason enough to say yes to this card. On top of that, Citi offers a few more perks that make this our new must-have among cash back cards:

0% Intro APR on Balance Transfers: This card also offers 0% for 18 months on Balance Transfers, 18.24% - 28.24% (Variable) thereafter.

Hefty sign up bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

No annual fee: The card is designed to help you save money. You'll automatically avoid any annual or upfront fees.

Can you do any better with a cash back + low interest card?

In short, we don’t think so. On top of an intro APR of 0% for 18 months on Balance Transfers (18.24% - 28.24% (Variable) thereafter), plus incredible cash back rewards, you get to take advantage of this offer while paying no annual fee.

This rare combo makes the Citi Double Cash® Card a unique offer that is too good to pass up. We suggest not wasting any time waiting to apply for the premier cash back and low interest card on the market. Then, take your time to pay down your balance with no additional interest for up to 18 months. Click 'Apply Now' to see if you're approved.

Recommended Credit Score

This card is designed for consumers with fair to excellent credit, so we suggest having a FICO® Score of 600 or higher to increase your likelihood of being approved. However, some people might qualify with lower scores, and approval is not guaranteed even with a high credit score.