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0% Intro APR for 18 months on Balance Transfers — And Unlimited 2% Cash Back

by:  Motley Fool Money Staff

Updated Last Updated: Aug. 6, 2026

Motley Fool Money is 100% free thanks to commissions we receive from our partners including for the offers on this page, but this never influences our product ratings. Citi is an advertising partner of Motley Fool Money.

If you want serious breathing room on debt and a high unlimited cash back rate, the Citi Double Cash® Card, from our partner, delivers both in one straightforward package.

Here's why it stands out:

  • Pay 0% introductory interest on balance transfers well into 2027 — That’s one of the longest intro periods available today, giving you meaningful time to pay down debt before interest kicks back in.
  • Earn 2% cash back on purchases — earn 1% when you buy and 1% when you pay. That’s the highest unlimited cash back rate we've come across!
  • Earn $200 cash back after you spend just $1,500 in purchases in the first 6 months
  • $0 annual fee

Bottom line: if you want serious interest savings and straightforward rewards in one card, this one is hard to beat.

Citi Double Cash® Card

Great for: Balance Transfers

Apply Now for Citi Double Cash® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Logo for Citi Double Cash® Card
4.90 out of 5
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.90 out of 5
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Apply Now for Citi Double Cash® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Intro APR

Purchases: N/A

Balance Transfers: 0%, 18 months on Balance Transfers

Regular APR

17.49% - 27.49% (Variable)

Rewards Circle with letter I in it. 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, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.

2% cash back

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. 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.

$200
  • 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, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, 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).

Here’s What Makes This Card Stand Out

0% intro APR for 18 months on Balance Transfers — Transfer existing debt and give yourself 18 months without interest to make real progress. That’s one of the longest interest-free periods available today. After the intro period, 17.49% - 27.49% (Variable) applies.

Unlimited 2% cash back on every purchase — Earn 1% when you buy and 1% when you pay. No rotating categories. No caps. Just simple, flat-rate rewards.

$200 cash back welcome offer — Earn $200 after spending $1,500 in purchases within the first 6 months.

$0 annual fee — Keep your rewards and savings without paying to carry the card.

Applicants with a good to excellent credit score (670+) typically have the best odds of approval.

How Much You Could Actually Save

Let's say you have $10,000 in credit card debt and you're paying $573 per month toward it.

Without this card: At 19% APR, it takes 21 months to pay off, and you'd rack up about $1,800 in interest along the way.

With this card: That same $573 monthly payment clears your full balance -- including the $300 balance transfer fee (3% of $10,000, if completed within the first 4 months) -- in 18 months during the 0% intro APR period, with $0 in interest. You come out roughly $1,500 ahead and debt-free three months sooner.

Money and time that go toward your future instead of paying the bank. And if your balance is higher, your potential savings could be even greater.

Bottom Line

The Citi Double Cash® Card stands out for its simple, high-value rewards and meaningful interest savings.

It offers a powerful combination of unlimited 2% cash back on every purchase, a $200 welcome bonus, and the ability to pause interest on balance transfers for well over a year — all with no annual fee.

For anyone who wants real breathing room to pay down debt and earn excellent rewards, it’s a fantastic all-in-one option.

Final note: credit card offers can change — and when intro APR windows are reduced, they rarely return at the same length. If this card fits your needs, it makes sense to apply while the 18-month offer is still available.

Click To Apply For Citi Double Cash® Card Now

On Citi's Secure Website.

Rates & Fees External Link Icon

Citi Double Cash® Card

Great for: Balance Transfers

Apply Now for Citi Double Cash® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Logo for Citi Double Cash® Card
4.90 out of 5
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.90 out of 5
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Apply Now for Citi Double Cash® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Intro APR

Purchases: N/A

Balance Transfers: 0%, 18 months on Balance Transfers

Regular APR

17.49% - 27.49% (Variable)

Rewards Circle with letter I in it. 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, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.

2% cash back

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. 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.

$200
  • 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, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, 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).

Our Credit Cards Experts

Motley Fool Money Staff
By:  Motley Fool Money Staff

Motley Fool Money brings financial expertise, trusted advice, and unbiased analysis to the world of daily personal finance decisions. Our mission is to help you live more richly.