While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs.

Citi® Double Cash CardIf you’re looking for a cash back credit card with a lengthy 0% intro APR on balance transfers, the Citi Double Cash Card – 18 month BT offer (a NextAdvisor advertiser) may be the one for you. That’s because Citi just extended the card’s 0% intro APR on balance transfers to a whopping 18-months! While you will have to pay a balance transfer fee of $5 or 3% of the transferred balance (whichever is greater), you won’t have to pay any interest for 18 months (then the standard APR applies) and you’ll earn some great cash back rewards.

When it comes to earning cash back, no other credit card has rewards quite like the Citi Double Cash Card 18 month BT offer. With this card you’ll earn 1% cash back when you make a purchase with the card and another 1% cash back when you pay for that purchase (note: balance transfers do not earn cash back). There are no categories to track, no caps on cash back and no annual fee, and rewards can be redeemed for a check, statement credit or gift card. In addition, you’ll also get a free monthly Equifax FICO Score with your card membership, which will help you keep track of your credit health overtime.

Other changes to the Citi Double Cash Card  18 month BT offer

Another huge change that Citi made to the Double Cash Card is the minimum credit needed for approval. Previously the card was only available to those with excellent credit, but now it’s available to those with either excellent or good (usually any score above 700) credit — meaning you can have less-than-perfect credit and still be approved.

Are there any downsides?

As with most credit cards, the Citi Double Cash Card 18 month BT offer does have a couple of downsides. The first is that you won’t be able to earn cash back on any balance you transfer to the card, which is rather unfortunate. Additionally, while the Citi Double Cash Card 18 month BT offer once had a 15-month 0% intro APR on purchases, it no longer has any intro APR for purchases, which means you’ll pay a standard variable APR (the rate depends on your creditworthiness) on purchases right off the bat.

Looking for a card that offers a 0% intro APR on both purchases and balance transfers? You may want to check out the BankAmericard credit card, which does not earn cash back rewards but offers 0% intro APR for 18 billing cycles on purchases and on balance transfers made within the first 60 days. Note that it does have balance transfer fee of 3% or $10, whichever is greater, but there is no annual fee to worry about. If you’d prefer a card with cash back rewards, consider Chase Freedom, which offers a $150 bonus opportunity, earns you 5% cash back in rotating categories and 1% on all purchases, has a 15-month 0% intro APR on purchases and balance transfers (with a balance transfer fee of $5 or 5% of the balance) and charges no annual fee.

Visit our credit card reviews to learn more about the Citi Double Cash Card 18 month BT offer as well as the other cards detailed in this post.

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 content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.