The Citi Double Cash Card APR is 16.99% - 26.99% (V). Citi Double Cash Card also has an introductory rate of 0% for 18 months, but only on balance transfers. It takes effect as soon as the account opens. Once it expires, the regular APR will apply to any remaining transferred balances.
Here is what you need to know about the Citi Double Cash Card APR:
Regular APR: 16.99% - 26.99% (V), based on each approved applicant's income, debt, credit score and other factors. No introductory rate for purchases, which means interest is paid at the regular APR, unless statement balances are paid in full by each due date.
Introductory balance transfer APR: 0% for 18 months. Each balance transfer is subject to a balance transfer fee of 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer. Once the introductory balance transfer period is over, your remaining balance will accrue interest at the regular APR.
Cash advance APR: 28.24% (V). Cash advances are also subject to a 5% (min $10) cash advance fee. There is no grace period for cash advances, so interest starts to accumulate as soon as you complete the transaction.
Penalty APR: Up to 29.99%. The penalty APR may be applied to your account when making a late payment or making a payment that is returned.
You can avoid Citi Double Cash Card APRs altogether by staying away from cash advances and paying the entire balance in full, and on time, every month.