CITI
Best Balance Transfer USA
Citi Double Cash® Card
Citi · 🇺🇸 USA · MASTERCARD
4.7Excellent
Annual Fee
$0
No annual fee
Rewards Rate
2% total (1% buy + 1% pay)
Cashback
Intro Offer
None currently
Credit Score
670–850
Good – Excellent
Purchase Intro APR
None
Balance Transfer Intro APR
0% for 18 months
Regular APR
18.49%–28.49% Variable
Tekkivo Expert Verdict
The Citi Double Cash is unmatched for balance transfers — 18 months at 0% with no annual fee. For eliminating existing debt, there is simply no better option.
Best for: Carrying a balance to pay off over 18 months at 0% interest
Key Benefits
- 1% when buy + 1% when pay = 2% effective
- 18-month 0% balance transfer
- Convertible to Citi ThankYou points
- No categories to track
Pros
- ✓Best-in-class 18-month 0% balance transfer
- ✓No annual fee
- ✓ThankYou points for added value
Cons
- ✗No intro APR on purchases
- ✗No sign-up bonus
- ✗3% foreign transaction fee
Card Details
Foreign Transaction Fee: 3%
Credit Limit: $500–$50,000+
Card Network: mastercard
Rewards Type: Cashback
Citi Double Cash® Card
4.7
Annual Fee$0
Rewards2% total (1% buy + 1% pay)
Intro OfferNone currently
on Citi's website