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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 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
Apply now

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

Read review

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 Discover it® Cash Back vs. Citi® Double Cash Card

Data indicated here is updated regularly
Name Product Annual fee Balance transfer APR Purchase APR Filter values
Discover it® Cash Back
Discover it® Cash Back
$0
0% intro for the first 14 months (then 11.99% to 22.99% variable)
0% intro for the first 14 months (then 11.99% to 22.99% variable)
Earn 5% back on up to $1,500 in combined purchases in bonus categories every quarter you activate, then 1% thereafter. Earn 1% back on all other purchases.
View details
Citi® Double Cash Card
Citi® Double Cash Card
$0
0% intro for the first 18 months (then 13.99% to 23.99% variable)
13.99% to 23.99% variable
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Apply now
View details
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