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Citi® Double Cash Card vs Citi Rewards+℠ Card

Two attractive reward cards offering cash back or points.

Updated

Fact checked

The winner: Citi® Double Cash Card

Citi® Double Cash Card logo

Up to 2%

Cash back

  • An excellent choice for cash back and balance transfers
  • Market-leading 2% back (1% after buying, 1% after paying)
  • No annual fee
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These two cards from Citi — a finder.com advertising partner — are attractive reward products. The Citi® Double Cash Card offers 1% cash back on all purchases, then another 1% as you pay them off. The Citi Rewards+℠ Card offers 2x points at gas stations and supermarkets on the first $6,000 in qualifying purchases each year, then 1x points.

Citi® Double Cash Card

Citi® Double Cash Card

Rates & Fees

Citi Rewards+℠ Card

Citi Rewards+℠ Card

Rates & Fees

finder.com's rating
finder.com's rating

★★★★★

3.8 / 5.0

★★★★★

4.1 / 5.0
Best for
Best for
  • Highest unlimited cash back
  • Rewards that round up to the nearest 10 points on every purchase
Welcome offer
Welcome offer

N/A

Earn 15,000 points after spending $1,000 in the first 3 months

Rewards
Rewards

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

Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases

Purchase APR
Purchase APR

13.99% to 23.99% variable

0% intro APR for 15 months, and then 13.49% to 23.49% variable

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

0% intro APR for 18 months, then 13.99% to 23.99% variable

0% intro APR for 15 months, then 13.49% to 23.49% variable

Cash advance
Cash advance

APR: 25.24% variable

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

APR: 25.24% variable

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

Foreign transaction fee
Foreign transaction fee 3% 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 23 days 23 days
Minimum interest
Minimum interest $0.50 $0.50
Minimum credit score
Minimum credit score 740 740
Card type
Card type Credit Credit
Learn more
Learn more

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Summary of card features

Citi® Double Cash Card

Citi® Double Cash Card

  • Earn cash back. Earn cash back twice on everything you buy — 1% when you make the purchase and 1% when you pay your balance. Similar cards let you earn 1.5% back. That's up to a $100 difference if you spend $20,000 a year with your card.
  • Intro APR on balance transfers. Enjoy 18 months of a 0% intro APR period for balance transfers. Compared to similar cards, this is one of the longest intro periods you can get. After that, a variable APR of 13.99% to 23.99% applies.
  • Citi Entertainment℠. Get special access when buying presale tickets or VIP packages for concerts, sports events, dining and more.

Citi Rewards+℠ Card

Citi Rewards+℠ Card

  • Reward points. Earn 2x points at supermarkets and gas stations on up to $6,000 in combined purchases each year. Once you reach the cap and on all other purchases, you earn 1x points.
  • Round up points. A rewards rate of 2x and 1x points may not seem like its worth earning a spot as one of the best rewards credit cards. But with the rounding up feature, your rewards rate is actually higher. Say you buy a $2 coffee. Your reward points will round up at 10x points, thus earning a 5% reward.
  • Bonus points. The card comes with 15,000 bonus points once you spend $1,000 in your first 3 months when you open your credit card account. Also, you get additional 10% bonus points for the first 100,000 points you redeem annually.

Compare Citi® Double Cash Card vs. Citi Rewards+℠ Card

Data indicated here is updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Citi Rewards+℠ Card
Earn 15,000 points after spending $1,000 in the first 3 months
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
$0
Get 2x points on restaurants and gas with this unique no-annual-fee card. Your rewards round up to the nearest 10 points for each purchase!
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