<prompt> Human: Hello PF,I received in the mail the other day an offer for a Citibank double cash card. Normally I would simply tear up the offer and throw it in the bank as I am fine with my current credit cards. That being said, Ive read online that the Citibank double cash card is a good card to have. So heres my question, I currently have a credit card with my bank, a barclaycard with apple rewards I did this to get a promo with the apple store. Aside from those two credit cards I have a kohls and target card. So would it be a bad thing for me to open up a citibank double cash card? Is it really worth it? I dont owe any credit card debt at the moment. My primary credit card does give me 3 back on gas, 2 on restaurants and 1 on all other purchases. Would it be bad for my credit to open another credit card?Finally Im seeing on the description of the card that There is a balance transfer fee of either 5 or 3 of the amount of each transfer, whichever is greater. What balance transfer fee is it referring to? Pardon my ignorance.Thank you in advance for any advice.  <response>: Citi Double Cash is a great card to have for all other purchases that dont fit in specific categories Gas, Restaurants, etc.. Balance transfer fee means if you transfer the balance from another CC to the Citi CC. 