Citi Double Cash Card vs Discover it Cash Back
Comprehensive comparison to help you choose the right option
Last updated: March 2026
Quick Verdict
Citi Double Cash Card takes the edge with a rating of 4.5/5. It's best for people who want simple, flat-rate cash back with no annual fee. However, Discover it Cash Back is the better choice if you're looking for first credit card users and people who can track rotating categories.
Side-by-Side Comparison
| Feature | Citi Double Cash Card | Discover it Cash Back |
|---|---|---|
| Card Category | Cash Back | Cash Back |
| Annual Fee | $0 | $0 |
| APR | 18.49%-28.49% | 17.24%-28.24% |
| Sign-Up Bonus | $200 after $1,500 spend in 6 months | Cashback Match (all cash back matched first year) |
| Rewards Rate | 2% on everything (1% when you buy, 1% when you pay) | 5% rotating categories (up to $1,500/qtr), 1% everything else |
| Foreign Transaction Fee | 3% | None |
| Credit Score Needed | Good to Excellent (670+) | Good (670+) |
| Our Rating | 4.5/5 | 4.5/5 |
Citi Double Cash Card: Pros & Cons
Citi Double Cash Card Pros
- + Flat 2% on everything
- + No annual fee
- + Simple rewards structure
- + Citi ThankYou points option
Citi Double Cash Card Cons
- - Foreign transaction fee
- - No bonus categories
- - Modest sign-up bonus
Best for: People who want simple, flat-rate cash back with no annual fee
Discover it Cash Back: Pros & Cons
Discover it Cash Back Pros
- + First year cashback match is incredible
- + No annual fee
- + No foreign transaction fee
- + 5% rotating categories
Discover it Cash Back Cons
- - Must activate categories quarterly
- - $1,500 quarterly cap on 5%
- - Discover less widely accepted
Best for: First credit card users and people who can track rotating categories
Detailed Analysis
Who Should Choose Citi Double Cash Card?
Citi Double Cash Card is the better choice if you're looking for people who want simple, flat-rate cash back with no annual fee. Its strongest advantages include flat 2% on everything and no annual fee. With a rating of 4.5/5, it stands out as one of the best options available.
Who Should Choose Discover it Cash Back?
Discover it Cash Back is ideal for those who want first credit card users and people who can track rotating categories. Key strengths include first year cashback match is incredible and no annual fee. Rated 4.5/5, it is among the top picks we recommend.
Final Verdict
Citi Double Cash Card
Discover it Cash Back
Both Citi Double Cash Card and Discover it Cash Back are solid credit card options. Choose Citi Double Cash Card if you value flat 2% on everything. Choose Discover it Cash Back if you prioritize first year cashback match is incredible.