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Discover it® Cash Back vs Citi® Double Cash Card

Two excellent credit cards with cashback rewards and no annual fee.

Megan Horner
Megan Horner

Updated

Fact checked

The only similarity between these two cards is that they earn cash back and have a $0 annual fee. The Discover it® Cash Back earns a massive cashback rate on rotating categories each quarter and lets you double your earned cash back at the end of your first year. The Citi® Double Cash Card comes with a flat cashback rate on all purchases and has a longer balance transfer intro APR period.

Check out all other perks and features in the table below.

Discover it® Cash Back

Discover it® Cash Back

Rates & Fees

Citi® Double Cash Card

Citi® Double Cash Card

Rates & Fees
finder.com's rating
finder.com's rating

★★★★★

4.8 / 5.0

★★★★★

3.8 / 5.0
Best for
Best for
  • Rotating cash back categories with no annual fee
  • Highest unlimited cash back
Welcome offer
Welcome offer

Discover will match cash back earned at the end of your first card year

N/A
Rewards
Rewards

5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases

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

0% intro APR for 14 months, and then 11.99% to 22.99% variable

13.99% to 23.99% variable

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

0% intro APR for 14 months, then 11.99% to 22.99% variable

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

APR: 24.99% 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 None 3% of each transaction
Late payment fee
Late payment fee Up to $40 Up to $40
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 25 days 23 days
Minimum interest
Minimum interest $0.50 $0.50
Minimum credit score
Minimum credit score 670 740
Card type
Card type Credit Credit
Learn more
Learn more

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Summary of card features

Discover it® Cash Back

Discover it® Cash Back

  • No annual fee
  • Excellent rewards in rotating categories
  • Solid intro APR on purchases and balance transfers
  • Cashback Match on all rewards earned during the first card year

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.

Compare credit cards

Compare cashback credit cards

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