Citi Double Cash® Card
vs. Capital One SavorOne Cash Rewards Credit Card

Updated: June 21, 2024

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Both the Citi Double Cash Card and the Capital One SavorOne Cash Rewards Credit Card offer compelling cash back rewards without an annual fee, which is why you're likely considering them. If maximizing cash back on every purchase is your goal, the Citi Double Cash's straightforward 2% on all purchases — 1% when you buy and another 1% as you pay — makes it a strong contender.

However, the SavorOne Cash edges ahead with its higher cash back rates in specific categories like dining and entertainment, and its welcome offer. While the Citi Double Cash Card is a solid choice, especially for those who value simplicity, the SavorOne's bonus categories and introductory APR offer on purchases and balance transfers make it particularly attractive if those features align with your spending.

Credit Card logo for Citi Double Cash® Card
Citi Double Cash® Card
Credit Card logo for Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card
MoneyGeek Rating
4.4/ of 5
MoneyGeek Rating
4.4/ of 5

  • Regular APR
    19.24% - 29.24% variable
    19.99% - 29.99% variable
    0% APR Offer
    0% for 15 months on purchases
    Intro Offer
    Earn $200 Cash Back
    Earn $200 Cash Back
    Rewards Summary
    Earn 1%–5% cash back
    Earn 1% to 8% cash back
    Balance Transfer Offer
    0% for 18 months on balance transfers
    0% for 15 months on balance transfers
    Balance Transfer Fee
    5% of each transfer ($5 minimum)
    5% of each transfer ($5 minimum)
    Annual Fee
    Recommended Credit
    670-850 (Good to Excellent)
    670-850 (Good to Excellent)
    Penalty APR
    Up to 29.99% (Variable)
    Up to 29.99% (variable)
    Not sure?

Which Card Is Better for You?

You might prefer the Citi Double Cash if you value simplicity in your rewards program. With a flat 2% cash back on all purchases, it's a straightforward card for everyday spending without the need to track varying reward categories. Additionally, its longer 0% intro APR on balance transfers can be beneficial if you're planning to transfer balances from other cards.

You might prefer the SavorOne Cash if your spending aligns with its bonus categories. With higher cash back rates on dining, entertainment, streaming services and grocery stores, it's tailored for those who frequently spend in these areas. Plus, the 0% intro APR on purchases can help with new expenses without interest for the first 15 months.

Head-to-Head Comparison: Card Details and Features

Evaluating APRs, fees, credit requirements, rewards, introductory offers and other features will help you decide which card matches your needs. Use this section to pinpoint differences, such as SavorOne Cash's higher cash back in certain categories versus Citi Double Cash's flat-rate rewards, to inform your choice.

    discount icon

    Regular APR: Citi Double Cash

    The Citi Double Cash card offers a lower starting APR of 19.24% compared to the SavorOne Cash's 19.99%.

    annualFee icon

    Annual Fee: Tie

    Both the Citi Double Cash card and the SavorOne Cash have no annual fee.

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    Introductory 0% APRs: SavorOne Cash

    For introductory 0% APR offers, the Capital One SavorOne Cash Rewards Credit Card is better for purchases with its 0% APR for 15 months, while the Citi Double Cash Card offers a longer 0% APR period for balance transfers at 18 months. Both cards charge a 5% fee for balance transfers.

    coins icon

    Rewards: SavorOne Cash

    The SavorOne Cash offers better rewards for those who spend heavily on dining, entertainment and travel, with up to 8% cash back on Capital One Entertainment purchases and 5% on travel booked through Capital One. The Citi Double Cash, offering a flat 2% on all purchases (1% when you buy plus 1% as you pay), is ideal for those seeking simplicity. Both cards offer versatile redemption options and no expiration on rewards.

    rewards icon

    Welcome Offers: SavorOne Cash

    The SavorOne Cash offers a better welcome bonus, providing a higher return on investment (ROI) with a lower spending requirement within the first three months compared to the Citi Double Cash card.

    creditApproved icon

    Recommended Credit Score: Tie

    Both the Citi Double Cash card and the SavorOne Cash cater to individuals with credit scores ranging from 670 to 850, indicating they are equally accessible to those with good to excellent credit.

    autopay icon

    Penalties and Fees: SavorOne Cash

    For penalties and fees, the SavorOne Cash card edges out slightly due to its no foreign transaction fees. Both cards have similar late fees and penalty APRs.

    points icon

    Issuer Satisfaction: SavorOne Cash

    Capital One has a higher issuer satisfaction rating of 4.2 compared to Citibank's 4.1.

    airplane icon

    Other Features & Perks: Tie

    Both cards offer unique perks that cater to different preferences. The SavorOne Cash provides valuable benefits for entertainment and travel with 10% cash back on Uber & Uber Eats, complimentary Uber One membership credits, 8% back on Capital One Entertainment and 5% on travel booked through Capital One. The Citi Double Cash offers 5% back on travel booked through the Citi Travel portal

Rewards Comparison

When it comes to rewards, the Citi Double Cash is the frontrunner with its uncomplicated 2% cash back on all purchases — 1% when you buy and another 1% as you pay for those purchases. This card is ideal for those who value a consistent rewards rate across all spending without having to track specific categories.

The SavorOne Cash is also good since it has targeted bonus categories. If your spending aligns with its 3% cash back on dining, entertainment, popular streaming services and grocery stores, you could reap more rewards in these areas compared to the Citi Double Cash's flat rate. However, for non-category spending, it drops to 1% cash back. You do also get up to 8% cash back on purchases made through Capital One Entertainment.

To compare the rewards categories for the two cards, refer to the table that follows.

Citi Double Cash
SavorOne Cash






3%/8% if purchased through Capital One Entertainment

Streaming Services



Grocery Stores




2%/5% if purchased through Citi Travel℠ portal

1%/5% if purchased through Capital One Travel

Redeeming Rewards

Both the SavorOne Cash and Citi Double Cash cards offer flexible redemption options without expiration for the life of the account. Whether you prefer statement credits, checks or using rewards for travel, each card provides a variety of choices to access your cash back. With SavorOne Cash, you can even set automatic redemptions, while Citi Double Cash allows for direct deposits among other methods, ensuring you can use your rewards in a way that suits your financial strategy.


MoneyGeek evaluates credit cards like the SavorOne Cash and Citi Double Cash based on their performance in various use cases. For this comparison, we focus on the cash back category, where each card's highest scores lie. The evaluation considers factors such as the cash back rate and the value of introductory offers.

The most significant factors in our scoring include the effective reward rate and the return on investment for card offers. For a deeper understanding of our ranking process, you can read more about our ranking methodology.

FAQ: Citi Double Cash vs. SavorOne Cash Card

What are the cash back rewards for each card?
Do either of the cards have an annual fee?
Which card offers a longer 0% intro APR period on balance transfers?
Are there foreign transaction fees for either card?
Can I earn a welcome bonus with either card?

About Doug Milnes, CFA

Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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