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

If you're seeking a cash back credit card with no annual fee, you may be considering the Discover it Cash Back Card and the Citi Double Cash Card. The Discover it Cash Back Card is optimal for maximizing rewards in rotating categories and enjoying a unique first-year cash back match. In contrast, the Citi Double Cash Card is ideal for straightforward, consistent cash back on every purchase.

You might prefer the Discover it® Cash Back Card if: You enjoy maximizing your cash back rewards by strategically planning your purchases around the rotating bonus categories. With this card, upon activation, you can earn 5% cash back on up to $1,500 in combined purchases each quarter in various categories, such as gas stations, grocery stores and restaurants. Discover also offers an introductory 0% APR on purchases and balance transfers for 15 months, which can be particularly useful if you're planning a large purchase or looking to pay down existing debt. The unique first-year cash back match can significantly increase your rewards if you use your card frequently throughout the year.

You might prefer the Citi Double Cash® Card if: You value simplicity and consistency in your cash back rewards. This card offers a straightforward 2% cash back on every purchase — 1% when you buy and another 1% as you pay for those purchases. There's no need to track rotating categories or sign up for quarterly bonuses. The Citi Double Cash® Card also provides a longer balance transfer introductory period of 18 months at 0% APR, which can be a great asset if you're looking to transfer and pay off a balance from another high-interest card. Plus, the lower recommended credit range makes it more accessible if your credit score isn't in the 'excellent' range.

The Discover it Cash Back Card boasts a commendable MoneyGeek balance transfer rating of 3.4 out of 5. With a recommended credit score range of 670 to 850 (good to excellent), this card caters to individuals with a solid credit history. It's particularly advantageous for those who maximize their spending in the card's rotating quarterly categories, offering 5% cash back on up to $1,500 combined purchases upon activation. The absence of an annual fee and the unique first-year cash back match are standout features that enhance the card's appeal. The Discover it Cash Back Card is a strong contender for consumers seeking to optimize their cash back rewards while enjoying the flexibility of no foreign transaction fees and a forgiving approach to the first late payment.

With a MoneyGeek balance transfer score of 3.1 out of 5, the Citi Double Cash Card stands out for its reward structure and balance transfer options. It's a solid choice for those who prefer a straightforward cash back program without an annual fee. Cardholders earn 2% cash back on all purchases: 1% when they buy and an additional 1% as they pay for those purchases. This card is particularly beneficial for individuals looking to consolidate and pay down existing credit card debt, offering a 0% intro APR for 18 months on balance transfers. With a recommended credit score between 580 and 740, the Citi Double Cash Card is accessible to a wide range of consumers. The card's simplicity and value proposition make it a compelling option for everyday use.

Our breakdown will help you compare APRs, fees, required credit, rewards, introductory offers and other features of the Discover it® Cash Back Card and the Citi Double Cash® Card. Examining these aspects lets you identify which card aligns with your spending patterns and financial objectives.