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The Ultimate Double Threat: The Citi Double Cash Tackles Debt While Earning Rewards [Short Video]
December 12, 2024
The Balance Transfer Card You Need in Your Wallet
We've all been there - juggling high-interest credit card debt while trying to make progress on our financial goals. What if there was a single solution that could help you tackle existing debt while simultaneously rewarding your everyday spending?
In our latest video breakdown, our Operations Lead Maria Schriber explores what might be the smartest addition to your wallet in 2025: the Citi Double Cash® Card, which is available from our partner. It offers an incredible 18-month 0% intro APR on balance transfers - one of the longest promotional periods currently available.
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The Numbers Don't Lie
Let's put this into perspective with a real example from Ben L., a member of the Kudos community:
Transferring a $5,000 balance from a card with 27% APR to this featured card could save you nearly $4,000 over the life of the debt. That's not pocket change - it's meaningful savings that could accelerate your journey to financial freedom.
Using our balance transfer calculator, we've seen Kudos members drastically reduce their interest payments and pay down debt faster, all while continuing to earn rewards on new purchases.
Beyond Debt Management
What makes the Citi Double Cash® Card truly unique is its versatility. While many balance transfer cards offer little to no ongoing value after the promotional period ends, this featured card transforms into a rewards-earning powerhouse that deserves a permanent spot in your wallet.
See It In Action
We've created a comprehensive 4-minute video breakdown where Maria walks through:
- How the 18-month 0% APR period works
- Calculating your potential savings
- Strategies for maximizing both debt reduction and rewards
- Why this card outperforms other balance transfer options
Ready to transform your approach to credit card debt? Watch our video breakdown to see exactly how the Citi Double Cash® Card could fit into your financial toolkit.
Unbeatable 2% Cash Back Structure
The Citi Double Cash® Card offers a straightforward but powerful earning structure: 1% cash back when you make purchases and an additional 1% when you pay your bill.
This effective 2% return on all spending makes it one of the most rewarding flat-rate cashback cards available. Unlike cards with rotating or tiered categories that require tracking and activation, the Citi Double Cash® Card delivers consistent value across all purchases.
Industry-Leading Balance Transfer Offer
What truly sets the Citi Double Cash® Card apart is its exceptional balance transfer offer. The card provides a 0% introductory APR on balance transfers for 18 months, one of the longest periods available among major credit cards. After this period, a variable APR of 18.24% - 28.24% applies based on creditworthiness.
With inflation concerns and rising interest rates affecting many households, this extended interest-free period provides valuable breathing room to pay down existing high-interest debt. New cardholders must complete transfers within four months of account opening and will pay a 3% intro balance transfer fee ($5 minimum) during this period (5% fee after the intro period).
No Annual Fee
One of our favorite things about the Citi Double Cash® Card is that these benefits come with no annual fee. This means you don't need to worry about calculating whether you're spending enough to offset a yearly charge. Every dollar of cashback is pure value.
The Balance Transfer Value Proposition
The Citi Double Cash® Card’s 18-month 0% APR balance transfer offer deserves special attention.
Consider this scenario:
If you're carrying $5,000 in credit card debt at a typical 20% APR, you're racking up roughly $1,000 in interest per year. Transferring this balance to the Citi Double Cash would cost you a one-time fee of $150 (3%) but would save you approximately $1,500 in interest over the 18-month promotional period.
This extended timeframe allows you to create a manageable repayment plan, dividing your balance into 18 equal payments without the burden of compounding interest. For someone carrying significant high-interest debt, this feature alone can provide substantial financial relief during uncertain economic times.
Who Should Get This Card?
The Citi Double Cash® Card is ideal for:
- Consumers seeking a simple, high-earning cashback card for everyday spending
- Those looking to consolidate and pay down existing credit card debt
- People who prefer straightforward rewards without category tracking
- Anyone who wants valuable benefits without paying an annual fee
- Cardholders who want to maximize rewards through tools like Kudos Insights, Dream Wallet, and Kudos Boost
Final Verdict
The Citi Double Cash® Card offers an impressive combination of rewards, debt management tools, and affordability that makes it a standout option. Its industry-leading 18-month balance transfer period provides exceptional value during economic uncertainty, while the flat 2% cashback rate ensures you're maximizing returns on every purchase.
For most people, this card deserves a permanent place in your wallet, serving either as a primary spending card or as a valuable component in a more complex rewards strategy. When paired with free tools like Kudos Insights, Dream Wallet, and Kudos Boost, the value proposition becomes even stronger, allowing you to potentially earn hundreds of additional dollars in rewards annually.
Whether you're focused on earning rewards or managing debt, the Citi Double Cash delivers exceptional value with minimal complexity.
Double the Cash, Zero the Worry
Looking for consistent rewards without the hassle? The Citi Double Cash® Card rewards you twice: 1% when you buy, another 1% when you pay—for a total 2% cash back on every purchase with no categories to track. Plus, smart balance transfer options help you take control of existing debt. Simple, powerful, perfect for today's savvy spenders.
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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