Discover It vs Citi Double Cash

Compare Rewards, Interest Rates, Fees, and Benefits

Discover It is an excellent cash back credit card with no annual fee and low interest rate. How does it compare to Citi Double Cash, a cash back card? Read our comparison chart below.

	Discover it® Cash Back	Citi® Double Cash Card
	Credit Card Interest Rates & Fees
Introductory APR for Purchases	0% introductory APR for 15 months	N/A
Introductory APR for Balance Transfers	0% introductory APR for 15 months	0%* introductory APR for 18 months*
Purchase APR	18.49% to 27.49% Variable based on your creditworthiness and other factors	18.49% to 28.49%* (Variable) based on your creditworthiness and other factors
Balance Transfers APR	18.49% to 27.49% Variable based on your creditworthiness and other factors	18.49% to 28.49%* (Variable) based on your creditworthiness and other factors
Foreign Transaction Fee	No foreign transaction fee	3% of each purchase transaction in US dollars.
Annual Fee	$0 annual fee	$0 annual fee
	Credit Card Rewards & Benefits
Introductory Bonus Cash Back	Discover will match all the cash back you've earned at the end of your first year (only for new cardmembers).	Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening
Cash Back Rewards	1% cash back on all other purchases.	Earn cash back twice on every purchase: 1% cash back when you buy; plus an additional 1% cash back as you pay for those purchases
Bonus Cash Back	5% cash back on up to $1,500 in purchases in rotating categories that change each quarter (requires free and easy sign-up for 5% Cashback Bonus)* Limitations apply*. See issuer's website for additional program details.
	CreditDonkey® Credit Card Reviews
Pros & Cons	Pros: 5% bonus rotating categories Intro APR on purchases and balance transfers No foreign transaction fee No annual fee Cons: Some merchants don't accept Discover
Bottom Line	Excellent cash back credit card with no annual fee and low interest rate... Read full review
	Read Discover It Review
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Disclaimer: The information for the Discover it® Cash Back and Citi® Double Cash Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer. Discover It: Pricing information including interest rates, rewards, benefits and fees was obtained on December 3, 2024 from published websites and is believed to be accurate, but not guaranteed. Citi Double Cash: Pricing information including interest rates, rewards, benefits and fees was obtained on November 15, 2024 from published websites and is believed to be accurate, but not guaranteed.

Still need help deciding which cash back credit card is better? Read the in-depth reviews below. You may also be interested in comparing Discover It or Chase Freedom Unlimited.