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American Express Cash Magnet® Card vs Citi® Double Cash Card

Earn unlimited cash back on all of your purchases.

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Megan Horner
Updated
Fact checked

The difference between the American Express Cash Magnet® Card and the Citi® Double Cash Card is that the Citi card comes with a higher cashback rate and an intro APR period on balance transfers. But it lacks a welcome offer or an intro APR period on purchases that come with the Amex card.

American Express Cash Magnet® Card

American Express Cash Magnet® Card

Terms apply, see rates & fees

Citi® Double Cash Card

Citi® Double Cash Card

Terms apply, see rates & fees
Finder rating
Finder rating

★★★★★

4.3 / 5.0

★★★★★

3.8 / 5.0
Best for
Best for
  • Flat cash back on all purchases
  • Highest unlimited cash back
Welcome offer
Welcome offer

$150 statement credit after spending $1,000 in the first 3 months

N/A
Rewards
Rewards

1.5% cash back on all purchases (redeem as statement credit)

Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
Purchase APR
Purchase APR

0% intro APR for 15 months, and then 15.49% to 25.49% variable

15.49% to 25.49% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR

N/A

0% intro APR for 18 months, then 15.49% to 25.49% variable
Cash advance
Cash advance

APR: 26.74% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 26.74% variable

Fee: $10 or 5% of the transaction, whichever is greater
Foreign transaction fee
Foreign transaction fee 2.7% of each transaction 3% of each transaction
Late payment fee
Late payment fee Up to $40 Up to $40
Additional cardholder fee
Additional cardholder fee $0
Interest-free period
Interest-free period 25 days 23 days
Minimum interest
Minimum interest $0.50
Minimum credit score
Minimum credit score 680 670
Card type
Card type Credit Credit
Learn more
Learn more

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