Discover it® Cash Back vs Citi® Double Cash Card | finder.com

Discover it® Cash Back vs Citi® Double Cash Card

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Discover it® Cash Back

Discover it® Cash Back

Citi® Double Cash Card

Citi® Double Cash Card

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

★★★★★

4.8 / 5.0

★★★★★

3.4 / 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

1% cash back when you make purchases and 1% cash back when you pay off your card

Purchase APR (annual percentage rate)
Purchase APR (annual percentage rate)

0% intro APR for 14 months, and then 13.99% to 24.99% variable

15.99% to 25.99% variable

Annual fee
Annual fee $0 $0
Balance transfers
Balance transfers

APR: 0% intro APR for 14 months, then 13.99% to 24.99% variable

Fee: 3% of the transaction

APR: 0% intro APR for 18 months, then 15.99% to 25.99% variable

Fee: $5 or 3% of the transaction, whichever is greater

Cash advance
Cash advance

APR: 26.99% variable

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

APR: 27.24% 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 $39 Up to $39
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 670 670
Card type
Card type Credit Credit
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
Learn more

Which card should you choose?

Discover it® Cash Back

Discover it® Cash Back

  • Accelerated cash back in quarterly rotating categories
  • First year cashback match
  • Free FICO credit score
  • Ability to freeze your account

Citi® Double Cash Card

Citi® Double Cash Card

  • No annual fee
  • Long intro APR on purchases and balance transfers
  • Earn 1% cash back when you make purchases
  • Earn an additional 1% cash back when you pay off your card

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