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If you’re looking for a way to reduce or repay your personal debt, Balance Transfer Credit CardLike, City Double Cash® CardIt can be an effective tool to add to your toolbox. After all, City Double Cash is one of the best cashback cards available thanks to the generous ones Cashback The compensation program is combined with annual fees and long balance transfers.
If you find yourself in a sticky financial situation, you are not alone. In fact, almost half (48%) of credit card holders carry their debts each month, according to Bankrate’s 2025 credit card debt survey. But we are not despairing – cards like City Double Cash offer solutions to alleviate some of the pain in debt. Let’s break those reasons together.
City Double Cash Card Details
Additional City Double Cash Card Benefits
In addition to balance transfer offers and solid cashback rewards, City Double Cash Card Benefits Includes many security perks, including unauthorized purchases, fraud alerts, and liability for City’s lost wallet service. You can also access City Entertainment The program provides cardholder or VIP access to concerts, sporting events and other live events.
The City Double Cash Card is sold as a cashback card, but in reality you can earn City’s appreciation points instead. This is great news for anyone hoping for multiple redemption offers, as these points can be redeemed further as statement credits, direct deposits, travel via City, gift cards, or Amazon purchases at the shop with points.
How to use a City Double Cash Card to pay off your debts
City Double Cash Card has one of the longest 0% intro APR periods in the market for balanced transfers in 18 months. 18.24%-28.24% (variable).
However, Citi Double Cash Chares a Balance transfer fee 3% or $5, whichever is greater for balance transfers completed within the first four months of opening your account. Once you complete the balance transfer after 4 months, the City Double Cash Balance Transfer Fee will jump up to 5% (minimum $5) on each transfer. The fee structure of this card matches other balance transfer cards, but can be added to your overall liability.
For example, let’s say you transfer your $5,000 balance to City Double Cash two months after opening your card. The fee will cost $150, with a total balance of $5,150. It is best to consider this fee before transferring your balance and make sure you can repay the full balance before the 0% APR offer ends. In this example, you will need to make a monthly payment of $286 to repay the amount in the Intro APR Offer window.
Here is another example of how City Double Cash Card can help you pay off your debts:
learn more: Check Bankrate’s balance transfer calculator to see how much you can save
How to use City Double Cash Rewards to offset your debt
City Double Cash is one of them Best City Credit Card This is because cardholders earn 2% cashback. Add 1% when you buy and 1% when you pay back your purchase. This compensation structure can encourage responsible financial action as you enjoy the most rewards by paying your bills in full and on time. Remember – the interest you accumulate in your balance can offset, or even deny, the rewards you have earned.
You can redeem your cashback reward for your check, Statement Credit Or direct deposits. These are solid options to reduce your credit card balance, as each “basic” appreciation point is worth about a cent. Through your thanks account, you can also earn gift card points, travel with City, or earn shops with Amazon or PayPal points.
Another option is to pool rewards with points on your Premium City Travel Card. City Strata Premium Card. This allows you to transfer points to one of City’s transfer partners and increase the value of the points.
Who is City Double Cash?
The City Double Cash Card is best as follows:
- Cardholders looking for a flat rate cashback card
- Cardholders looking for solid balance transfer offers to pay off their debts
With no 0% intro APR offer at the time of purchase, this card may be perfect for those who are not tempted to purchase if they are primarily using a card to pay off their debts. When making a balance transfer, you don’t want to risk adding to your entire debt. A better strategy is to first wipe out your balance transfer obligations before using your card for your purchase.
Conclusion
If you want to repay your high profit balance, it may be worth transferring your balance to Citi Double Cash. Keep a 3% balance transfer fee in mind and create a clear reward plan ahead.
This card is also suitable if you are looking for a daily cash card that doesn’t worry about quarterly activation categories or category bonuses. However, if you think you’re going to be prey to the temptation you use instead of paying off your debt, we recommend considering a similar 0% intro APR credit card that doesn’t offer rewards.
