Balance transfer card that earns 2% cash back after the intro period ends.
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Good–Excellent credit — 670+ FICO typical; hard pull required
ClearValue Rating: 4.2 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
People who want a long BT window and plan to keep the card as an everyday earner once the debt is cleared.
The Citi Double Cash Card has no annual fee. The balance transfer fee is 3% on transfers completed within the first 4 months, then rises to 5% (minimum $5). The intro APR is 0% for 18 months on qualifying balance transfers; after that, the regular variable APR applies. Ongoing, the card earns 2% unlimited cash back (1% at purchase + 1% when you pay). Verify current APR at citi.com.
| Year 1 value | Ongoing value |
|---|---|
| 0% APR on BTs for 18 months; 3% BT fee if transferred within first 4 months; 2% cash back on all spending | 2% unlimited cash back, no annual fee — strong everyday earner after the intro period |
| BT must be initiated within 4 months of account opening to get the 3% fee — per Citi disclosure, verify current terms | |
Citi Double Cash® Card — Balance transfer card that earns 2% cash back after the intro period ends. Best for: People who want a long BT window and plan to keep the card as an everyday earner once the debt is cleared.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Yes — it is the most versatile card on this list. The 0% intro APR applies to balance transfers (18 months from first transfer date, as disclosed by Citi, June 2026), while the 2% cash back earns on all new purchases simultaneously. Just be aware that new purchases accrue interest from day one during the BT intro period — pay new charges off monthly to avoid interest on spending.
No — as disclosed by Citi (verified June 2026), the 3% intro BT fee applies only to transfers made within the first 4 months of account opening. After that, the fee rises to 5% (minimum $5). If you're planning a balance transfer, initiate it early to lock in the lower fee. Confirm current terms at citi.com before applying.
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. The Citi Double Cash® Card is issued and operated by Citibank, N.A. APRs, fees, and terms are determined solely by Citibank and may change — verify current terms at citi.com before applying.
As disclosed by Citi (verified June 2026), the intro 0% APR on the Citi Double Cash applies to balance transfers only — not to new purchases. New purchases accrue interest at the standard variable APR from the date of transaction. If you're using this card for debt payoff while also spending on it daily, new charges can accrue interest even while your transferred balance is at 0% APR. Confirm current terms at citi.com before applying.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
See all picks, methodology, and side-by-side comparison in Best Balance Transfer Credit Cards 2026.
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