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Discover it® Cash Back vs Citi® Double Cash Card
Two excellent credit cards with cashback rewards and no annual fee.
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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 0% intro APR period.
Check out all other perks and features in the table below.
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Discover it® Cash Back
|
Citi® Double Cash Card
|
|---|---|
|
★★★★★ 4.8 / 5.0 |
★★★★★ 3.4 / 5.0 |
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|
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Discover will match cash back earned at the end of your first card year |
N/A |
|
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 |
|
0% intro APR for 14 months, and then 13.49% to 24.49% variable |
15.49% to 25.49% variable |
| $0 | $0 |
|
APR: 0% intro APR for 14 months, then 13.49% to 24.49% variable Fee: 3% of the transaction |
APR: 0% intro APR for 18 months, then 15.49% to 25.49% variable Fee: $5 or 3% of the transaction, whichever is greater |
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APR: 26.49% 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 |
| None | 3% of each transaction |
| Up to $39 | Up to $40 |
| $0 | $0 |
| 25 days | 23 days |
| $0.50 | $0.50 |
| 670 | 670 |
| Credit | Credit |
| Rates & Fees | Rates & Fees |
Which card should you choose?
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
- 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 15.49% to 25.49% applies.
- Citi Entertainment℠. Get special access when buying presale tickets or VIP packages for concerts, sports events, dining and more.
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