Citi Double Cash® vs. Discover it® Balance Transfer
Side-by-side comparison · Updated 2026 · Independently reviewed
Discover it® Balance Transfer
Discover
4.3
0% intro APR on balance transfers for 18 months.
Full review →WealthSpott Verdict
Discover it® Balance Transfer wins on more measurable categories — particularly annual cost. Citi Double Cash® may still win for your wallet depending on your spending patterns.
Feature
Citi Double Cash®
Discover it® Balance
Annual Fee
$0
$0
Sign-up Bonus
None
Cashback Match
Rewards Rate
2%
1%-5%
Rewards Type
Cash Back
Cash Back
0% Intro APR
0% for 18 months
0% for 18 months
Regular APR
19.24%-29.24% Variable
18.24%-28.24% Variable Best
Foreign Transaction Fee
Yes
Yes
Recommended Credit Score
670-850
670-850
Citi Double Cash®
Pros
- 0% APR for 18 months on purchases and balance transfers
- 2% cash back (1% + 1%)
Cons
- No bonus categories
Discover it® Balance Transfer
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