This credit card is worth its weight in gold: best credit card for 2025
The Citi Double Cash® Card, offered by Citi, is an excellent choice for individuals with fair to excellent credit who are looking to manage their finances more effectively through balance transfers and cash back rewards. This card stands out for its combination of a generous introductory offer, competitive cash back rates, and no annual fee.
One of the most appealing features of the Citi Double Cash® Card is its 0% introductory APR for 18 months on balance transfers. This allows cardholders to transfer existing balances and pay them down without incurring interest charges during the introductory period. After the 18-month period, a variable APR of 18.24% to 28.24% will apply. This extended interest-free period makes it an ideal option for those seeking to reduce their debt more efficiently.
In addition to the balance transfer benefits, the Citi Double Cash® Card offers a straightforward and rewarding cash back program. Cardholders earn 2% cash back on every purchase—1% when the purchase is made and an additional 1% as they pay for those purchases. There are no limits to the amount of cash back that can be earned, making it a strong choice for everyday spending. Additionally, a special travel offer allows cardholders to earn 5% total cash back on hotel bookings, car rentals, and attractions booked through the Citi Travel℠ portal through December 31, 2025. To qualify for cash back rewards, it is essential to pay at least the minimum due on time.
New cardholders can also take advantage of a 200 welcome bonus. This bonus is earned after spending200welcomebonus.Thisbonusisearnedafterspending1,500 on purchases within the first six months of account opening. The bonus is fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back, adding significant value to the card’s offerings.
The Citi Double Cash® Card is particularly well-suited for individuals who want to:
1.Transfer existing balances and enjoy an extended period of 0% interest.
2.Earn a competitive cash back rate on all purchases.
3.Benefit from a no-annual-fee structure.
4.Receive a generous welcome bonus.
For those interested in applying, the process is quick and straightforward, with the possibility of receiving a decision in under 60 seconds. The Citi Double Cash® Card is a compelling option for anyone looking to manage debt more effectively while earning rewards on their everyday spending. If you’re considering other cash back card options, it’s worth exploring a detailed comparison to ensure you select the best card for your financial needs.
Citi Double Cash® Card
Cash Rewards
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
Balance Transfer APR
0% intro APR for 18 months on Balance Transfers, then 18.24% – 28.24% (Variable)
Purchase APR
18.24% – 28.24% (Variable)
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.
Annual Fee
$0
Recommended Credit Score
Fair, Good, Excellent 580 – 850*
If you are looking for an easy to understand, flat rate, cash back credit card that pays an above-average rate of 2% (1% when you buy and 1% as you pay), then this card from Citi (an advertising partner) is a fantastic option for you. There is also a compelling balance transfer intro APR offer and a welcome bonus.
Card Details From Issuer
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.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% – 28.24%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).