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 information about Citi® Double Cash Card has been collected independently by Finder and and has not been reviewed or provided by the issuer.
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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.

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 13.49% to 24.49% variable

15.49% to 25.49% variable

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

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 ​ ​ ​

Cash advance
Cash advance

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

Foreign transaction fee
Foreign transaction fee None 3% of each transaction
Late payment fee
Late payment fee Up to $39 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
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

  • 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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