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Discover it® Cash Back vs Citi® Double Cash Card

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

The winner: Citi® Double Cash Card

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
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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 intro APR period.

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

Discover it® Cash Back

Discover it® Cash Back

Terms apply, see rates & fees

Citi® Double Cash Card

Citi® Double Cash Card

Terms apply, see rates & fees

Finder rating
Finder 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 670 670
Card type
Card type Credit Credit
Learn more
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Compare Discover it® Cash Back vs. Citi® Double Cash Card

Name Product Annual fee Balance transfer APR Purchase APR Filter values
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.
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.
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