Dedicated comparison page

Citi Double Cash Card vs Discover it Cash Back

Citi Double Cash Card vs Discover it Cash Back on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.

Lowest annual feeCiti Double Cash CardNo annual fee
Highest reward rateCiti Double Cash Card2.0%
Lowest starting credit rangeDiscover it Cash Back670+

Quick Take

Citi Double Cash Card

by Citi

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Citi Double Cash Card is a cashback card from Citi with no annual fee, $200 cashback after $1,500 in 6 months, and good to excellent credit.

Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have good to excellent credit.

  • $200 cashback after $1,500 in 6 months
  • Foreign transaction fee: 3%
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Discover it Cash Back

by Discover

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Discover it Cash Back is a cashback card from Discover with no annual fee, cashback match — all cash back earned in first year is matched, and fair to good credit.

Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.

  • 5% on Dining
  • Cashback Match — all cash back earned in first year is matched
  • No foreign transaction fee
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Side-by-Side Facts

MetricCiti Double Cash CardDiscover it Cash Back
Annual FeeNoneNone
Reward Rate2.0%1.0%
Signup Bonus$200 cashback after $1,500 in 6 monthsCashback Match — all cash back earned in first year is matched
Foreign Transaction Fee3.0%None
Recommended CreditGood to excellent creditFair to good credit
Rewards SummaryEarn 2% on general spending.Earn elevated rewards with 5% on Dining, 5% on Gas and 5% on Groceries, plus 1% on other purchases.

Who Should Pick Which Card?

Citi Double Cash Card

It keeps the value proposition simple with 2% on everyday purchases.

Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have good to excellent credit.

Pros

  • $200 cashback after $1,500 in 6 months
  • No annual fee to offset rewards

Tradeoffs

  • Foreign transaction fee of 3% can hurt value abroad
  • Typically requires good to excellent credit

Discover it Cash Back

Its strongest earning category is Dining at 5%, backed by 1% on general spending. It also avoids foreign transaction fees.

Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.

Pros

  • Cashback Match — all cash back earned in first year is matched
  • No annual fee to offset rewards
  • Earns 5% on Dining
  • Earns 5% on Gas

Tradeoffs

  • Base rewards on non-bonus spending are relatively modest

Frequently Asked Questions

What is the main difference between Citi Double Cash Card and Discover it Cash Back?

The biggest tradeoffs are annual fee, reward concentration, and the level of credit usually needed to qualify. This page compares those inputs directly so you can choose the card that fits your spending and tolerance for annual fees.

Which card is easier to qualify for?

Discover it Cash Back has the lowest published starting credit range in this comparison at 670.

Which card has the lowest annual fee?

Citi Double Cash Card has the lowest annual fee in this comparison at no annual fee.