Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Citi Double Cash® Card (no annual fee) and the OnePay CashRewards Card (no annual fee) comes down to where you spend most. Neither card has an annual fee, and Citi Double Cash Card earns at least as much as OnePay CashRewards Card in every category, more on dining, groceries, gas, flights, hotels, other travel and other purchases. Enter your monthly spending above to see which comes out ahead for you.
Unlimited 2% cash back on all purchases. Earns a solid 2.0% on everything else.
Perfect if: You're comfortable booking through the issuer's own site for the best rate.
Apply Now3% back at Walmart in store and online, 5% with Walmart+, and 1.5% on everything else. Earns a solid 1.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Citi Double Cash Card | OnePay CashRewards Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $1,500 spend in 6 months | $35 after $0 spend in 1 months |
| Foreign Transaction Fee | 3% | 0% |
| Base Reward Rate | 2% | 1.5% |
| Rates with conditions not counted in the rows above |
5% through Citi Travel Earns 5% only on hotels, car rentals and attractions booked through Citi Travel, Citi's own booking site. Travel booked anywhere else earns the flat 2%. |
5% at Walmart with Walmart+ Earns 5% at Walmart only with a paid Walmart+ membership. Without it the rate is 3%, which is what the ranking uses. |
| Key Benefits | Unlimited 2% cash back on all purchases. | 3% back at Walmart in store and online, 5% with Walmart+, and 1.5% on everything else. |
Citi Double Cash Card pulls ahead for travel, dining, groceries, gas spending.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.