Discover it® Cash Back vs. Citi Double Cash®

Side-by-side comparison · Updated 2026 · Independently reviewed

Discover logo
Discover it® Cash Back
Discover
4.5

5% rotating categories. Cashback Match at end of first year.

Full review →
Citi logo
Citi Double Cash®
Citi
4.6

2% cash back: 1% when you buy, 1% when you pay.

Full review →
WealthSpott Verdict

Discover it® Cash Back wins on more measurable categories — particularly annual cost. Citi Double Cash® may still win for your wallet depending on how you spend.

Feature
Discover it® Cash
Citi Double Cash®
Annual Fee
$0
$0
Sign-up Bonus
Cashback Match
None
Rewards Rate
1%-5%
2%
Rewards Type
Cash Back
Cash Back
0% Intro APR
0% for 15 months
0% for 18 months
Regular APR
18.24%-28.24% Variable Best
19.24%-29.24% Variable
Foreign Transaction Fee
Yes
Yes
Recommended Credit Score
670-850
670-850
Discover it® Cash Back
Pros
  • Cashback Match doubles first-year earnings
  • 5% rotating categories
Cons
  • Quarterly category activation required
Full review
Citi Double Cash®
Pros
  • 0% APR for 18 months on purchases and balance transfers
  • 2% cash back (1% + 1%)
Cons
  • No bonus categories
Full review

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