Citi Rewards+® Card
vs. Citi Double Cash® Card

If you're looking for a no-annual-fee credit card with rewarding introductory offers, you may be considering the Citi Rewards+ Card and the Citi Double Cash Card. The Citi Double Cash Card is better for those who value a higher cash back rate on all purchases with its unlimited 2% cash back (1% when you buy plus 1% as you pay).

In contrast, the Citi Rewards+ Card is ideal for those who prefer to earn points, especially with its five ThankYou Points per $1 spent in special categories and a 20,000 bonus points offer. Your choice should align with your spending habits and whether you prefer points over cash back.

You might prefer the Citi Double Cash® Card if: You value simplicity and efficiency in a rewards program. With an effective reward rate of 5.0, this card offers a compelling 2% cash back on all purchases — 1% when you buy plus an additional 1% as you pay for those purchases. This straightforward approach to earning rewards makes it an attractive option for those who want to maximize their cash back without tracking specific categories. Additionally, the Citi Double Cash® Card caters to a broader range of credit scores, starting at 580, making it more accessible to individuals with fair credit.

You might prefer the Citi Rewards+® Card if: You frequently spend on travel and want to benefit from category-specific rewards. This card stands out with its 5X ThankYou points on travel purchases made through Citi, and it automatically rounds up to the nearest 10 points on every purchase, which can add up over time. The Citi Rewards+® Card also offers an introductory 0% APR for 15 months on both purchases and balance transfers, which can be particularly advantageous if you're planning a large purchase or looking to manage existing debt. However, it's worth noting that this card is best suited for those with good to excellent credit scores, ranging between 670 and 850.

The Citi Rewards+® Card, with a MoneyGeek balance transfer card rating of 3.4 out of 5, caters to travelers eager to rack up points on their journeys. This card offers a unique perk: 10% points back on ThankYou points redeemed, up to the first 100,000 points per year, enhancing its appeal to reward-savvy consumers.

With a $0 annual fee and a 0% introductory APR for 15 months on both purchases and balance transfers, it's designed for those who want to save on interest and earn rewards simultaneously. The card's rewards program is particularly beneficial for travel enthusiasts, offering 5X ThankYou points on travel purchases through Citi, making it a compelling choice for frequent travelers.

The Citi Double Cash® Card, with a MoneyGeek balance transfer score of 3.4 out of 5, stands out for its straightforward cash back program. Cardholders earn an effective 2% cash back on all purchases, which is distributed as 1% when you buy and an additional 1% as you pay for those purchases. This card is particularly beneficial for individuals who prefer a simple reward structure without category restrictions.

One of the card's notable features is its 0% introductory APR on balance transfers for 18 months, which can be a valuable tool for managing existing credit card debt. However, it's important to note that there is no introductory APR offer for new purchases. The Citi Double Cash® Card has no annual fee, making it a cost-effective option for those with a recommended credit score between 580 and 740. The card's cash back rewards and balance transfer offer make it a strong contender for anyone looking to consolidate debt and earn rewards on their everyday spending.

Our breakdown will help you compare the Citi Rewards+® Card and Citi Double Cash® Card across key areas such as APRs, fees, required credit, rewards and introductory offers. By examining these features side by side, you'll be able to identify which card aligns with your spending patterns and financial goals.