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

Updated: April 22, 2024

Advertising & Editorial Disclosure

Shield Insurance

MoneyGeek partners with leading industry experts and advertisers to help you get to your financial happy place. Our content is accurate when posted but offers may change over time. We may receive compensation for partner advertisements, but our editorial team independently reviews and ranks products. Learn more about our editorial policies.

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.

Credit Card logo for Discover it® Cash Back Card
Discover it® Cash Back Card
Credit Card logo for Citi Double Cash® Card
Citi Double Cash® Card
MoneyGeek Rating
3.8/ of 5
MoneyGeek Rating
3.8/ of 5

  • Regular APR
    17.24%–28.24% variable
    19.24% - 29.24% variable
    0% APR Offer
    0% intro APR for 15 months
    -
    Balance Transfer Offer
    0% intro APR for 15 months
    0% for 18 months on balance transfers
    Annual Fee
    $0
    $0
    Rewards Summary
    Earn 1%–5% cash back
    Earn 1%–5% cash back
    Recommended Credit
    670–850 (Good to Excellent)
    670-850 (Good to Excellent)
    Not sure?

Discover it® Cash Back Card vs. Citi Double Cash® Card: Which Is Better for You?

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.

MoneyGeek's Take on the Discover it® Cash Back Card

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.

Discover it® Cash Back Card
Credit Card logo for Discover it® Cash Back Card
MoneyGeek Rating
3.8/ of 5

Regular APR17.24%–28.24% variable
0% APR Offer0% intro APR for 15 months
Balance Transfer Offer0% intro APR for 15 months
Rewards SummaryEarn 1%–5% cash back
Recommended Credit670–850 (Good to Excellent)

MoneyGeek's Take on the Citi Double Cash® Card

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.

Citi Double Cash® Card
Credit Card logo for Citi Double Cash® Card
MoneyGeek Rating
3.3/ of 5

Regular APR19.24% - 29.24% variable
0% APR OfferN/A
Balance Transfer Offer0% for 18 months on balance transfers
Rewards SummaryEarn 1%–5% cash back
Recommended Credit670-850 (Good to Excellent)

Details Comparison: Discover it® Cash Back vs. Citi Double Cash®

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.

    discount icon

    Regular APR

    The Discover it Cash Back Card offers a more favorable regular APR range of 17.24% to 28.24% variable, compared to the Citi Double Cash Card's 19.24% to 29.24% variable. This makes the Discover it Cash Back Card better for Regular APR.

    annualFee icon

    Annual Fee

    Both the Discover it® Cash Back Card and the Citi Double Cash® Card have no annual fee. This makes them equally attractive for users looking to avoid extra yearly charges.

    lowInterestAPR icon

    Introductory 0% APRs

    Discover it® Cash Back Card offers a 0% intro APR for 15 months on both purchases and balance transfers, with a 3% intro balance transfer fee, then up to 5%. In contrast, the Citi Double Cash® Card only provides a 0% intro APR for 18 months on balance transfers, with a 5% fee for each transfer ($5 minimum). For those looking for a more extended balance transfer period, Citi Double Cash® Card is better.

    coins icon

    Rewards

    For consistent rewards on every purchase, the Citi Double Cash Card is better due to its straightforward 2% cash back. However, for those who can maximize the rotating categories, the Discover it Cash Back Card may offer higher rewards.

    rewards icon

    Welcome Offers

    The Discover it Cash Back Card offers a unique welcome bonus by matching all cash back earned at the end of the first year, with no limit. The Citi Double Cash Card, on the other hand, provides a $200 cash back bonus after spending $1,500 on purchases within the first three months of account opening.

    creditApproved icon

    Recommended Credit Score

    The Citi Double Cash card is better for individuals with lower credit scores, between 580 and 740 (fair to good). The Discover it Cash Back Card recommends a higher credit score range, between 670 and 850 (good to excellent).

    autopay icon

    Penalties and Fees

    Discover it Cash Back Card is better for penalties and fees due to no penalty APR, no foreign transaction fee and waiving the late fee for the first late payment. Citi Double Cash Card charges up to $41 for late payments, up to 29.99% (variable) for penalty APR and a 3% foreign transaction fee.

    points icon

    Issuer Satisfaction

    Discover it® Cash Back Card leads in issuer satisfaction with Discover Bank's rating of 4.5 compared to Citibank's 4.1.

    airplane icon

    Other Features & Perks

    Neither card has stand-out perks that give one an edge over the other.

FAQ: Discover it Cash Back vs. Citi Double Cash

What are the cash back rewards differences between the Discover it® Cash Back Card and the Citi Double Cash® Card?
How do the APRs compare between the Discover it® Cash Back Card and the Citi Double Cash® Card?
What are the balance transfer fees for each card?
Which card offers better introductory rewards?
What credit score is required for each 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.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.