Citi Double Cash® Card vs Discover it® Cash Back
Side by side on the numbers that decide it. The money8020 Score already weighs these — this is the receipts.
money8020 pick C Citi Double Cash® Card Citibank 99/100 | D Discover it® Cash Back Discover 99/100 | |
|---|---|---|
| Tier | Essential | Essential |
| Rewards rate | 2% | 1%–5% |
| Annual fee | $0 | $0 |
| Regular APR | 17.49%–27.49% | 17.49%–26.49% |
| Bonus | $200 | $200 |
| Annual fee | $0 | $0 |
| Best for | Cardholders who want cash back that fits their spending | Cardholders who want cash back that fits their spending |
| View profile | View profile |
Which should you choose: the Citi Double Cash® Card or the Discover it® Cash Back?
The Citi Double Cash® Card and the Discover it® Cash Back score evenly at 99/100 in our ranking, so the better choice comes down to fit. Lean to the Discover it® Cash Back if cardholders who want cash back that fits their spending; otherwise the Citi Double Cash® Card is the safer default.
On rewards rate, the Citi Double Cash® Card shows 2% versus the Discover it® Cash Back's 1%–5%. On regular APR, the Citi Double Cash® Card shows 17.49%–27.49% versus the Discover it® Cash Back's 17.49%–26.49%. Both figures are reflected in the money8020 score above; confirm current terms with each provider before deciding. This is not financial advice.
Citi Double Cash® Card vs Discover it® Cash Back: FAQ
Is the Citi Double Cash® Card or the Discover it® Cash Back better?
The two score evenly at 99/100 in our ranking, so the right pick depends on your situation — the Discover it® Cash Back fits if cardholders who want cash back that fits their spending, otherwise the Citi Double Cash® Card is a safe default.
What is the main difference between the Citi Double Cash® Card and the Discover it® Cash Back?
On rewards rate, the Citi Double Cash® Card offers 2% while the Discover it® Cash Back offers 1%–5%. Review the full table above and confirm current terms with each provider. This is not financial advice.