Citi
Citi Double Cash Card
Credit cards
$0/yrAnnual fee
Explore this product Your shortlist, side by side
Citi Double Cash Card vs Discover it Cash Back
Find the differences that matter for your next decision.
Discover
Discover it Cash Back
Credit cards
$0/yrAnnual fee
Explore this product What matters most to you?
Start with all rankable specifications, or focus on a particular use.
Your starting point
Buy the Discover it Cash Back.
- Leads 3 of 3 rankable overall specs.
- Rewards rate: 5% cash back on everyday purchases at… vs 2% cash back
How we reached this
We compare the published specifications relevant to your priority. Each rankable specification counts once; your selected requirements can rule a product out. This is a guide to the numbers, not a laboratory performance score.
Regular APR: 17.24% – 28.24% Variable APR vs 19.24% – 29.24% Variable APR
Same annual fee, so the spec lead is the whole story.
The trade-off to know
Discover it Cash Back: Requires quarterly category activation
Look at the differences ↓Refine your requirements
What would rule one out?
Side by side
The differences, in detail.
Start with the key specs, then explore as much as you need.
| What you’re comparing | Citi Double Cash Card | Discover it Cash Back |
|---|---|---|
| Annual feeFees & Rates | $0 (No annual fee) | $0 |
| Regular APRFees & Rates | 19.24% – 29.24% Variable APR | 17.24% – 28.24% Variable APR |
| Foreign transaction feeFees & Rates | 3% of each transaction in U.S. dollars | None (0%) |
| Late feeFees & Rates | Up to $41 | None on first late payment, then up to $41 |
| Rewards rateRewards & Perks | 2% cash back (1% when you buy + 1% as you pay off purchases) | 5% cash back on everyday purchases at different places each quarter (up to $1,500 in quarterly purchases with activation), 1% unlimited on all other purchases |
Showing 5 of 10 specifications. Missing values stay unlisted. About the sources
Both sides of the decision
What you gain. What you give up.
Citi Double Cash Card
Reasons to choose it
- Effective 2% flat cash back with no category tracking or spending caps
- No annual fee
- Earns transferable Citi ThankYou points convertible to cash back or travel
Worth considering
- 3% foreign transaction fee makes it poor for international travel
- No built-in travel perks or insurance protections
Discover it Cash Back
Reasons to choose it
- 5% cash back on quarterly rotating categories (grocery stores, restaurants, gas, Amazon.com) up to $1,500 with activation
- Unlimited Cashback Match: Discover automatically doubles all cash back earned at the end of your first year
- No annual fee, no foreign transaction fees, and free FICO Credit Scorecard
Worth considering
- Requires quarterly category activation
- 5% bonus rate is capped at $1,500 quarterly spend (then 1%)
Beyond the spec sheet
Living with your choice.
Explore the ownership details available for this pair.
Know what’s behind the comparison
Published specs. Visible sources.
Clinchmark compares manufacturer specifications and other published information. We have not independently lab-tested these products. Editorial assessments and unknown values are identified in the specification details.
Catalog snapshot: September 1, 2026. Prices, availability, and provider terms can change.
Still weighing it up?
Which card has the lower annual fee, Citi Double Cash Card or Discover it Cash Back?
Both charge the same annual fee.
What is the biggest catch with the Citi Double Cash Card or Discover it Cash Back?
Citi Double Cash Card has this deal-breaker: foreign transaction fee. Adds about 3% to every purchase abroad.
Which is better for travel, the Citi Double Cash Card or the Discover it Cash Back?
For travel, buy the Discover it Cash Back. Leads 2 of 2 rankable travel specs. Rewards rate: 5% cash back on everyday purchases at… vs 2% cash back
What cannot be compared from spec sheets?
Of the 10 specs tracked here, 7 are descriptive and cannot be ranked on numbers alone. Spec sheets also cannot measure subjective factors like build quality, real-world performance, or comfort.