Choosing between the Citi Double Cash Card (no annual fee) and the Discover it Cash Back (no annual fee) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
Strongest in travel at 5%. Unlimited 2% cash back on all purchases. Earns a solid 2.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Citi Double Cash Card | Discover it Cash Back |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $1,500 spend in 6 months | None |
| Foreign Transaction Fee | 3% | 0% |
| Base Reward Rate | <strong>2.0%</strong> | 1.0% |
| Travel Rewards | <strong>5%</strong> | 1% |
| Key Benefits | Unlimited 2% cash back on all purchases. | 5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year. |
Citi Double Cash Card pulls ahead for travel, dining, groceries, gas spending.
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Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.