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 Target™ Mastercard® (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 Target Mastercard in every category, more on groceries, 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 NowStrongest in dining at 2%. 5% off every Target purchase instantly at checkout, plus 2% on dining and gas and 1% elsewhere.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Citi Double Cash Card | Target Mastercard |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $1,500 spend in 6 months | None |
| Foreign Transaction Fee | 3% | 3% |
| Base Reward Rate | 2% | 1% |
| Dining Rewards | 2% | 2% |
| Gas Rewards | 2% | 2% |
| 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%. |
None |
| Key Benefits | Unlimited 2% cash back on all purchases. | 5% off every Target purchase instantly at checkout, plus 2% on dining and gas and 1% elsewhere. |
Citi Double Cash Card pulls ahead for travel, groceries 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.