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Citi® Double Cash Card - 18 month BT offer: A Great Cash Back Option

Opinions, analyses, reviews, or recommendations expressed here are the author’s alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer’s Affiliate Program. For a full list of our advertisers, including American Express, see our disclosure page.

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Image of Citi® Double Cash Card - 18 month BT offer
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"Easily the best cashback card on the market."

Contents

The Citi® Double Cash Card - 18 month BT offer is one of the strongest cash back credit cards available right now. It offers 1% cash back on all purchases and another 1% back when those purchases are paid off. While some credit cards may give you higher cash back rewards, this one allows you to not have to worry about changing rewards calendars or tracking certain categories. This puts it up there as one of the best cash back credit cards available, at least when it comes to a flat rate rewards.

The features we like best about the Citi® Double Cash Card - 18 month BT offer

  • 1% cash back is the highest flat rate around
  • Another 1% cash back when you pay off your purchases
  • Citicard services like Price Rewind

Where we think the Citi® Double Cash Card - 18 month BT offer Falls short compared to other cards

  • No bonuses make this card a more long-term investment - no short term gains

Review: Our Thoughts About The Citi® Double Cash Card - 18 month BT offer

With the card offering up to a high fixed rewards rate across all purchases, the Citi® Double Cash Card - 18 month BT offer rivals the best cash back card available. This bodes as good news for consumers who are looking for high rewards that are also easy to use. With the double 1% rewards rate, the Citi® Double Cash Card - 18 month BT offer will be much better than the popular Capital One® Quicksilver® Cash Rewards Credit Card and the new Barclaycard CashForward™ World Mastercard®. Like these rivals, the Citi® Double Cash Card - 18 month BT offer has no annual fee, making it a very reasonable first consideration when it comes to a primary credit card. Cardholders who have spending patterns more heavily focused in areas that bonus cash back cards like the Blue Cash Preferred® Card from American Express may find better alternatives, but for anyone with a broad expenses the Double Cash is worthy of a first look.

One downer for an otherwise great credit card is the card's lack of signing bonus. Most credit cards, even some cash back cards, tend to reward consumers with bonus points or extra cash back for opening a credit card account. While the Citi® Double Cash Card - 18 month BT offer offers an attractive rewards rate, it lacks any incentives up front.

The Citi® Double Cash Card - 18 month BT offer makes up for its lack of a bonus through some ancillary benefits, such as Price Rewind and late fee forgiveness. Whether most consumers will ever get to utilize these perks is not certain, which doesn’t fully make up for the lack of a definite signing bonus. If you do, however, these Citi® Double Cash Card - 18 month BT offer benefits have the potential to be worth thousands of dollars. To learn more about what benefits like Price Rewind can do for you, look to our explanation of the Citi® Double Cash Card - 18 month BT offer benefits below.

How The Cash Back Rewards Work

Instead of being applied immediately to your account, half of the rewards (1% in this case) is awarded as soon as you use the card for purchases. The remaining half is applied at the time when you pay off your balance, and will be 1% of the amount you pay. Since we generally advise that consumers pay off the entirety of their balances each month, the difference in the timing between the purchase and payment rewards should be negligible for most cardholders.

For cardholders who may ignore our advice and keep a balance from month to month, you should know that additional interest will not add to the total amount of cash back you can earn from paying off your balance. As purchases are made, the accumulated spending on eligible purchases is tracked in the Purchase Tracker. As you make payments on your balance, the amount in the Purchase tracker is reduced by the same amount. The amounts in the tracker are the only ones eligible for the 1% cash back from payments.

Other Citi® Double Cash Card - 18 month BT offer Benefits and Features

Here are a table and discussion of other important aspects and perks you need to know about the Citi® Double Cash Card - 18 month BT offer.

Image of Citi® Double Cash Card - 18 month BT offer
Annual Fee No Annual Fee
Purchase APR 12.99%, 17.99% or 22.99% Variable
Card Details
  • 1% cash back on purchases and another 1% cash back when you pay for those purchases

Price Rewind: The Double Cash is also one of the few Citicards with the Price Rewind advantage. Whenever you make a purchase on your Citi® Double Cash Card - 18 month BT offer, Citibank will search for that item online at different retailer websites. If they find the same item at a lower price, within 60 days of your purchase, you will be refunded the difference in price for up to $300 per item, up to a maximum of $1,200 in refunds per year. This is one of our favorite credit card perks around, as it provides consumers a bit of peace of mind when making purchases. 

Added Purchase Protection: Your purchases are also afforded added protection through Damage & Theft Protection and Extended Warranty programs. The first of these covers any item you buy using your Citi® Double Cash Card - 18 month BT offer for up to $1,000, if the item is damaged and stolen within 120 days (or within 90 days if you live in New York). Citi will pay out a maximum of $50,000 within a year for damages. Secondly, if you have a warranty of five years or less on a purchased with the Citi® Double Cash Card - 18 month BT offer, you will automatically receive one extra year of warranty – this benefit has you covered up to $10,000 per year.

EMV Smartchip: The Citi® Double Cash Card - 18 month BT offer also has a smartchip installed. These chips, referred to as EMV, are a global standard that provides a safer alternative to magnetic strips commonly found on U.S. credit cards. Merchants within the U.S. will slowly begin transitioning to EMV in 2015. Having an EMV chip on their credit card allows Citi® Double Cash Card - 18 month BT offer cardholders to be ahead of the curve in the United States, and well prepared if they travel and use a credit card outside of the country. In many places overseas, vendors are equipped only to deal with EMV credit cards. Keep in mind, however, that the Citi® Double Cash Card - 18 month BT offer has a 3% foreign transaction fee, which more than eats into consumers’ rewards rate.

Late Fee Waiver: Finally, if you miss a payment on your Citi® Double Cash Card - 18 month BT offer, you will not be charged a late fee the first time it happens. This perk may seem small, but if paying your bill slips your mind at any point while you are using this card, the additional benefit can save you $35.

The Citi® Double Cash Card - 18 month BT offer vs Other Credit Cards

Let's take a look at how Citi® Double Cash Card - 18 month BT offer performs against the other cash back credit cards to comprehend where it stands.

Citi® Double Cash Card - 18 month BT offer vs Capital One® Quicksilver® Cash Rewards Credit Card

Over the long run the extra cash back you can earn through the Citi® Double Cash Card - 18 month BT offer should outperform the Capital One® Quicksilver® Cash Rewards Credit Card 1.5%. The one drawback of the Citi® Double Cash Card - 18 month BT offer is the lack of any signing bonus, while the Capital One® card offers a $150 early spend bonus for new applicants. To qualify for the early spend bonus on the Capital One® Quicksilver® Cash Rewards Credit Card cardholders must spend at least $500 in purchases within the first 3 months of account opening. Comparing the value between the two cards is ultimately about the total amount of cash back you can earn at different spending levels. The early bonus puts the Quicksilver® ahead in the short term, as it will take at least $20,000 in spending for the Citi card to begin outperforming the Capital One® option. Choosing between the two cards will depend on how long you will hold onto the card, as well as the amount of spending you make. For shorter periods and lower spending habits the Quicksilve® will come out ahead. Otherwise the Citi® Double Cash Card - 18 month BT offer should perform better.

The Capital One® Quicksilver® Cash Rewards Credit Card allows users to monitor their credit score. With the Capital One® CreditWise® you receive your credit score data. Anyone who is looking into maximizing their credit score or simply keeping a close eye on it to better guard themselves from identity theft will benefit from tools like this.

Fidelity® Rewards Visa Signature® Card vs the Citi® Double Cash Card - 18 month BT offer

From a rewards perspective the two cards are effectively equal, since they both offer similar cash back rates and have no signing bonus or annual fees to change the math. One thing that will work in the Citi card's favor is having a few less restrictions when it comes to using the it. The Fidelity Investment Rewards credit card requires cardholders to have a Fidelity account where the cash back can be deposited. Potential cardholders may not want to deal with the added hassle of having to open a new account with Fidelity to handle the rewards.

The Fidelity Investment Rewards credit card also lacks any notable services, such as Citi’s Price Rewind. By giving its users protection on their purchases, the Citi® Double Cash Card - 18 month BT offer in the very least begins to make up for the absence of bonuses. With no such features appearing with Fidelity Investment Rewards, we recommend the Citi® Double Cash Card - 18 month BT offer as the go to flat rate cash back credit card.

Double Cash Credit Card vs Chase Freedom®

One of the leading rotating category cash back rewards credit cards, the Chase Freedom® is a favorite among rewards hunters. Rather than a flat cash back rate, the Chase Freedom® offers 5% cash back on spending categories that change every quarter. Unlike the Citi® Double Cash Card - 18 month BT offer that has an unlimited flat rate that can be applied towards all spending, the Freedom is best used towards the bonus categories for that given month. All other spending will only yield 1% cash back. Additionally the Chase Freedom® limits spending in these bonus categories to $1,500 a quarter (this equates to $75 for the 5% categories). Depending on your expenses it can sometimes be a little tricky to maximize the extra rewards, so many consumers will find their actual rewards rate edging closer to the bottom of the potential range. 

The Chase Freedom credit card also offers users a $100 spending bonus, if they charge at least $500 in purchases to their account within the first 3 months their account is open. This helps the card in the short term outperform the Citi® Double Cash Card - 18 month BT offer. However, if a Chase Freedom cardholder is not spending within the bonus categories, a Citi® Double Cash Card - 18 month BT offer user will match the $100 bonus after just $10,000 in spending.

Since both cards have no annual fee, our recommendation is that consumers should consider getting both cards. You can then use the Chase Freedom when the 5% cash back option is available and otherwise use the Citi® Double Cash Card - 18 month BT offer for all other purposes. This would give you the best of both worlds. If you are a big spender remember to go back to using your Citi® Double Cash Card - 18 month BT offer as soon as you’ve exhausted the $1,500 bonus category spending limit on a category – otherwise you will fall back down to gaining 1% back.

Compare It For Yourself

If you'd like to see how the Citi® Double Cash Card - 18 month BT offer stacks up against other cash back credit cards, use our interactive comparison tool and model to see what you would earn with each option. Simply put in your spending assumptions to see how each of these cards performs against the Citi® Double Cash Card - 18 month BT offer

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Card Annual Fee 2-yr Net Rewards Rate

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the Rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Bonus Value

The bonus field shows our estimate for the value of the card’s sign-up bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2-yr Rewards Value

The Rewards Value is calculated by adding together the rewards earned from charging purchases to the card over two years and any sign-up bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

HSBC Cash Rewards Mastercard®
$0 1.52%
$150
$150 Cash Back For new HSBC Cash Rewards Mastercard® credit card customers who spend $500 or more in new, net card purchases during the first 3 months from account opening
$546
Graph Card Read Review More Details
Annual Fee $0
APR Variable APR of 13.99% - 23.99%
*Rates and Fees

Card Details

  • Limited Time Offer: Earn unlimited 2% cash rewards on purchases made within 6 months of account opening, then 1.5% thereafter.
  • Earn a $150 cash rewards intro bonus after spending $500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 15 months on balance transfers, then a 13.99%, 17.99% or 23.99% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 396 x $1 = $396
Bonuses
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 546
Barclaycard CashForward™ World Mastercard®
$0 1.56%
$200
Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
$560
Graph Card Read Review More Details
Annual Fee $0
APR 15.99%, 20.99% or 25.99% Variable

Card Details

  • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase. Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • Enjoy a 0% introductory APR for the first 15 months on purchases.
  • Plus, you'll get a 0% introductory APR for 15 months for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.99%, 20.99% or 25.99%, based on your creditworthiness.
  • Please note, there is a fee for balance transfers
  • No annual fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 36,000 x $0.01 = $360
Bonuses
0 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 560
Wells Fargo Cash Wise Visa® Card
$0 1.56%
$200
Earn $200 cash rewards bonus after spending $1,000 in the first 3 months
$560
Graph Card Read Review More Details
Annual Fee $0
APR 13.99%-25.99% (Variable)

Card Details

  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 36,000 x $0.01 = $360
Bonuses
0 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 560
PayPal Cashback Mastercard®
No Annual Fee 1.33%
$0
$480
Graph Card More Details
Annual Fee No Annual Fee
APR 16.99%, 24.99% or 27.99% Variable

Card Details

  • No annual fee
  • No restrictions on the type of purchases you can make to earn cash back
  • No rotating categories to keep track of, just 2% cash back on every purchase, every day
  • Redeem your Cash Rewards directly into your PayPal balance
  • Requires PayPal account
  • No redemption threshold

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 480 x $1 = $480
Total Net Estimated Rewards Through 24 Months 480
Capital One® Savor℠ Cash Rewards Credit Card
$0 1.08%
$150
$150 once you spend $500 on purchases within the first 3 months
$390
Graph Card Read Review More Details
Annual Fee $0
APR 15.49% - 24.49% (Variable)

Card Details

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 15.49%-24.49% variable APR after that
  • 0% intro APR on balance transfers for 9 months; 15.49%-24.49% variable APR after that; 3% fee on the amounts transferred within the first 9 months
  • No annual fee
  • No foreign transaction fees

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 24,000 x $0.01 = $240
Bonuses
0 x $0.01 = $150
Total Net Estimated Rewards Through 24 Months 390
Capital One® Quicksilver® Cash Rewards Credit Card
$0 1.42%
$150
Get $150 bonus after spending $500 within the first 3 months
$510
Graph Card Read Review More Details
Annual Fee $0
APR 13.99% - 23.99% (Variable)

Card Details

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.99%-23.99% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 360 x $1 = $360
Bonuses
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 510
Chase Freedom Unlimited®
$0 1.42%
$150
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening;Earn a $25 Bonus when you add your first authorized user and make a purchase within this same 3-month period
$510
Graph Card Read Review More Details
Annual Fee $0
APR 15.99% - 24.74% Variable

Card Details

  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 36,000 x $0.01 = $360
Bonuses
0 x $0.01 = $150
Total Net Estimated Rewards Through 24 Months 510
TRIO℠ Credit Card
No Annual Fee 0.94%
$100
Get a $100 bonus after you spend $1,000 within 90 days of opening a new account.
$340
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 14.24% to 23.24% Variable

Card Details

  • 3% cash back rewards at restaurants and 2% cash back rewards on gas and at grocery and drug stores, up to $1,500 spend per quarter in these combined purchase categories
  • 1% unlimited cash back rewards on all other purchases

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 24,000 x $0.01 = $240
Bonuses
10,000 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 340
U.S. Bank Cash 365™ American Express® Card
No Annual Fee 1.28%
$100
Cardholders who have a qualifying U.S. Bank product and spend $500 within the first 3 months of account opening receive $100
$460
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 14.74% - 23.74% Variable

Card Details

  • Earn unlimited 1.5% cash back on eligible net purchases
  • New cardmember bonus: $100 after you spend $500 in eligible net purchases in the first 90 days you have the card
  • 0% Intro APR on balance transfers for 12 billing cycles. After that, a variable APR currently 14.74% - 23.74%
  • Unlimited cash back
  • Cash back never expires
  • No annual fee
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 360 x $1 = $360
Bonuses
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 460
Discover it® ­- Cashback Match™
$0 1.00%
$120
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$360
Graph Card Read Review More Details
Annual Fee $0
APR 11.99% - 23.99% Variable

Card Details

  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
120 x $1 = $120
Total Net Estimated Rewards Through 24 Months 360
Discover it® chrome
$0 1.00%
$120
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$360
Graph Card Read Review More Details
Annual Fee $0
APR 11.99% - 23.99% Variable

Card Details

  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 1% cash back on all your other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
120 x $1 = $120
Total Net Estimated Rewards Through 24 Months 360
NHL® Discover it® Card
$0 1.00%
$120
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$360
Graph Card Read Review More Details
Annual Fee $0
APR 11.99% - 23.99% Variable

Card Details

  • Choose your favorite team & show your pride - all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information. ©NHL

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
120 x $1 = $120
Total Net Estimated Rewards Through 24 Months 360
Discover it® for Students
$0 1.00%
$120
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$360
Graph Card Read Review More Details
Annual Fee $0
APR 13.99% - 22.99% Variable

Card Details

  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.99% - 22.99%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
120 x $1 = $120
Total Net Estimated Rewards Through 24 Months 360
Discover it® chrome for Students
$0 1.00%
$120
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$360
Graph Card More Details
Annual Fee $0
APR 13.99% - 22.99% Variable

Card Details

  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. 1% cash back on all your other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.99% - 22.99%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
120 x $1 = $120
Total Net Estimated Rewards Through 24 Months 360
Discover it® Secured Card ­- No Annual Fee
$0 1.00%
$120
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$360
Graph Card Read Review More Details
Annual Fee $0
APR 23.99% Variable

Card Details

  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
120 x $1 = $120
Total Net Estimated Rewards Through 24 Months 360
USAA Preferred Cash Rewards Visa Signature®
$0 1.00%
$0
$360
Graph Card More Details
Annual Fee $0
APR 12.90%-26.90% (Variable)

Card Details

  • Earn 1.5% cash back on every purchase
  • There's no limit on the amount you can earn
  • Redeem your rewards anytime online or with the USAA Mobile App.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 36,000 x $0.01 = $360
Total Net Estimated Rewards Through 24 Months 360
Susan G. Komen® Credit Card
Image of Susan G. Komen® Credit Card No Annual Fee 1.08%
$150
$150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$390
Graph Card More Details
Annual Fee No Annual Fee
APR 13.24% - 23.24% Variable

Card Details

  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
  • 1% cash back elsewhere.
  • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 390
Chase Freedom®
$0 1.08%
$150
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
$390
Graph Card Read Review More Details
Annual Fee $0
APR 15.99% - 24.74% Variable

Card Details

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter like gas stations, restaurants and drugstores
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 390
Capital One® QuicksilverOne® Credit Card
$39 0.78%
$0
$282
Graph Card Read Review More Details
Annual Fee $39
APR 24.99% (Variable)

Card Details

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 360 x $1 = $360
Less Annual Fees -$78
Total Net Estimated Rewards Through 24 Months 282
Ally CashBack Credit Card
No Annual Fee 0.94%
$100
Receive a $100 bonus when you make $500 in eligible purchases during the first 3 billing cycles
$340
Graph Card More Details
Annual Fee No Annual Fee
APR 13.24%, 18.24% or 23.24% Variable

Card Details

  • 2% cash back at gas stations and grocery stores
  • 1% cash back on all other purchases
  • $100 bonus when you make $500 in eligible purchases during the first 3 billing cycles
  • 10% Ally Deposit Bonus when you deposit your cash rewards into an eligible Ally Bank account

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 24,000 x $0.01 = $240
Bonuses
0 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 340
Blue Cash Everyday® Card from American Express
No Annual Fee 0.94%
$100
Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
$340
Graph Card Read Review More Details

Terms and Limitations Apply

Annual Fee No Annual Fee
APR 13.99% to 24.99% Variable

Card Details

  • Limited Time Offer: Apply by 5/3/17 - Earn 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back.
  • Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Everyday Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 2% at U.S. gas stations,1% on other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.49% to 23.49%, based on your creditworthiness and other factors.
  • Terms apply.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 340
BankAmericard Cash Rewards™ for Students
Image of BankAmericard Cash Rewards™ for Students No Annual Fee 0.94%
$100
$100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$340
Graph Card More Details
Annual Fee No Annual Fee
APR 13.24% - 23.24% Variable

Card Details

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
  • 1% cash back elsewhere.
  • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 340
U.S. Pride® Credit Card
Image of U.S. Pride® Credit Card No Annual Fee 0.94%
$100
$100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$340
Graph Card More Details
Annual Fee No Annual Fee
APR 13.24% - 23.24% Variable

Card Details

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
  • 1% cash back elsewhere.
  • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 340
World Wildlife Fund Credit Card
Image of World Wildlife Fund Credit Card No Annual Fee 0.94%
$100
$100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$340
Graph Card More Details
Annual Fee No Annual Fee
APR 13.24% - 23.24% Variable

Card Details

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
  • 1% cash back elsewhere.
  • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 340
BankAmericard Cash Rewards™ Credit Card
No Annual Fee 0.94%
$100
$100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$340
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 12.99% - 22.99% Variable

Card Details

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
  • 1% cash back elsewhere.
  • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% Variable APR. 3% fee (min $10) applies to balance transfers.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 340
MLB® Credit Card
Image of MLB® Credit Card No Annual Fee 0.94%
$100
$100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$340
Graph Card More Details
Annual Fee No Annual Fee
APR 13.24% - 23.24% Variable

Card Details

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
  • 1% cash back elsewhere.
  • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 340
PNC CashBuilder® Visa Credit Card
No Annual Fee 0.83%
$0
$300
Graph Card More Details
Annual Fee No Annual Fee
APR 13.24% to 22.24% Variable

Card Details

  • 1.25% to 1.75% cash back depending on how much you spend or your banking relationship with PNC
  • Earn between 1.25% and 1.75% cash back on all purchases, depending on how much you spend
  • Redemptions start at $50
  • Rewards don't expire
  • $0 Fraud Liability

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 300 x $1 = $300
Total Net Estimated Rewards Through 24 Months 300
BP Visa® Credit Card
No Annual Fee 0.50%
$0
$180
Graph Card More Details
Annual Fee No Annual Fee
APR 27.24%

Card Details

  • Introductory Offer: Earn 25¢ off** per gallon For every $100 you spend with your BP Visa® Credit Card or BP Credit Card for the first 90 days your account is open (excluding non-BP gas stations)
  • 25¢ off per gallon for every $100 you spend at BP
  • 15¢ off per gallon for every $100 you spend for eligible groceries, dining and travel
  • 5¢ off** per gallon for every $100 you spend everywhere Visa® credit cards are accepted (excluding non-BP gas stations)
  • No annual fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 18,000 x $0.01 = $180
Total Net Estimated Rewards Through 24 Months 180
National Geographic Platinum Edition® Visa®
No Annual Fee 0.81%
$50
Receive 5,000 bonus points after you spend $1,500 in the first 3 billing cycles
$290
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 15.99% - 22.99% Variable

Card Details

  • Receive 5,000 bonus points after you spend $1,500 in the first 3 billing cycles
  • 2 points per $1 spent on purchases made through National Geographic
  • 1 point per $1 spent eveywhere else
  • 12 digital issues of National Geographic magazine plus online archive
  • 20% off qualifying purchases through the National Geographic catalog and online store
  • $250 off Nat Geo Expeditions and Adventure trips

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 24,000 x $0.01 = $240
Bonuses
5,000 x $0.01 = $50
Total Net Estimated Rewards Through 24 Months 290
USAA Cashback Rewards Plus American Express® Card
$0 0.67%
$0
$240
Graph Card More Details
Annual Fee $0
APR 12.90%-26.90% (Variable)

Card Details

  • Earn 5% cash back on your first $3,000 in gas and military purchases annually on these categories combined.
  • Earn 2% cash back on your first $3,000 on supermarket purchases per year.
  • Unlimited 1% cash back on all other purchases.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 24,000 x $0.01 = $240
Total Net Estimated Rewards Through 24 Months 240
Journey® Student Rewards from Capital One®
$0 0.67%
$0
$240
Graph Card Read Review More Details
Annual Fee $0
APR 24.99% (Variable)

Card Details

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • There's no limit to the amount of cash back you can earn, and rewards won't expire for the life of the account
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Total Net Estimated Rewards Through 24 Months 240

Bottom Line: Do we think the Citi® Double Cash Card - 18 month BT offer is Worth It?

Considering that the card has no annual fee, and you will not find a better rewards rate on any cash back card, we recommend this card to most people who can get it. The Citi® Double Cash Card - 18 month BT offer does require a good to excellent credit score to get – but it is well worth the patience. This card is also a good companion card to any existing rewards credit cards you may have. If your current credit card can get you a rewards rate higher than what the Citi® Double Cash Card - 18 month BT offer provides, gof ro it. But any time you would fall below the this card's max payout, it is a good time to take the Citi® Double Cash Card - 18 month BT offer out of your wallet.

Comments and Questions

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. 

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

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