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Citi® Double Cash Card vs Citi Rewards+℠ Card

Two attractive reward cards offering cash back or points.

Megan Horner

Updated Apr 27, 2020

Fact checked

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 Rates & Fees	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	Read review	Read review

Which card should you choose?

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

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 credit cards

{"niche":"USCCF"}

Name	Welcome offer	Rewards	Annual fee
Citi® Double Cash Card	N/A	Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)	$0	This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.	Apply now View details	Compare	loading Fetching your data...
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 rewards on gas and groceries with no annual fee. Ideal for everyday use, it's the only card that rounds purchases up to the nearest 10 points.	Apply now View details	Compare	loading Fetching your data...
Luxury Card Mastercard® Titanium Card™	N/A	1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back	$195	Enjoy unique excursions, privileged access to exclusive events and insider opportunities.	Apply now View details	Compare	loading Fetching your data...
CardMatch™ from creditcards.com	See terms	See terms	See terms	Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.	See offer View details	Compare	loading Fetching your data...
Chase Sapphire Preferred® Card	60,000 points after spending $4,000 in the first 3 months	5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases	$95	This popular travel card's signup bonus is worth up to $750. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.	See offer View details	Compare	loading Fetching your data...
TD Cash Credit Card	$150 after spending $500 in the first 90 days	3% on dining, 2% at grocery stores and 1% on all other eligible purchases	$0	3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT	Apply now View details	Compare	loading Fetching your data...
Amalgamated Bank of Chicago Platinum Rewards Mastercard®	$150 after spending $1,200 in the first 90 days	1x points on all purchases and 5x points in quarterly rotating categories on up to $1,500 each quarter you activate, then 1x points	$0	Earn 5x points in rotating categories and $150 after spending $1,200 in the first 90 days	Apply now View details	Compare	loading Fetching your data...
Chase Sapphire Reserve®	50,000 points after spending $4,000 in the first 3 months	10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases	$550	Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months	See offer View details	Compare	loading Fetching your data...
Luxury Card Mastercard® Gold Card™	N/A	1x points on all purchases with 2% point value when you redeem for airfare or cash back	$995	Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.	Apply now View details	Compare	loading Fetching your data...
United℠ Explorer Card	40,000 miles after spending $2,000 in the first 3 months	2x miles at restaurants, hotels and United and 1x miles on all other purchases	$0 intro annual fee for the first year ($95 thereafter)	40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.	See offer View details	Compare	loading Fetching your data...
Credit One Bank® Unsecured Visa® with Cash Back Rewards	N/A	1% cash back on all purchases or in categories based on Credit One Bank’s discretion	$0 to $99	Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.	Apply now View details	Compare	loading Fetching your data...
Official NASCAR® Credit Card from Credit One Bank®	N/A	Up to 1% cash back on eligible purchases determined by Credit One and double cash back at the NASCAR Shop	$0 to $99	Get up to 1% cash back rewards on eligible purchases determined by Credit One and double cash back rewards at the NASCAR Shop.	Apply now View details	Compare	loading Fetching your data...

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Megan Horner

Megan Horner is the credit cards publisher at Finder. She's passionate about helping you find the best credit cards to meet your financial needs — whether that's earning great rewards or improving your credit score. Previously, she edited and published educational articles on credit cards as an assigning editor at Credit Karma.

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Citi® Double Cash Card vs Citi Rewards+℠ Card

Two attractive reward cards offering cash back or points.

Which card should you choose?

Citi® Double Cash Card

Citi Rewards+℠ Card

Compare credit cards

Compare up to 4 providers

Megan Horner

Ask an Expert

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Citi® Double Cash Card vs Citi Rewards+℠ Card

Two attractive reward cards offering cash back or points.

Which card should you choose?

Citi® Double Cash Card

Citi Rewards+℠ Card

Compare credit cards

Compare up to 4 providers

Megan Horner

Ask an Expert

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