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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 Purchases0% introductory APR for 14 monthsN/A
Introductory APR for Balance Transfers0% introductory APR for 14 months0%* introductory APR for 18 months*
Purchase APR11.99% to 22.99% Variable based on your creditworthiness and other factors13.99% to 23.99%* (Variable) based on your creditworthiness and other factors
Balance Transfers APR11.99% to 22.99% Variable based on your creditworthiness and other factors13.99% to 23.99%* (Variable) based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction fee3% of each purchase transaction in US dollars.
Annual Fee$0 annual fee$0 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Cash BackDiscover will match all the cash back you've earned at the end of your first year (only for new cardmembers). 
Cash Back Rewards1% 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 Back5% 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.
Bonus Categories for 2022:
January - March 2022: Grocery Stores and Fitness Club & Gym Memberships (Excludes Walmart and Target purchases)
April - June 2022: Gas Stations and Target
July - September 2022: Restaurants and PayPal
October - December 2022: Amazon.com and Digital Wallets (includes Apple Pay, Google Pay, Samsung Pay, and Garmin Pay)
 
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • 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
Pros:
  • Earns cash back twice on purchases
  • No annual fee
  • Introductory APR for 18 months on balance transfers
Cons:
  • No signup bonus
  • Cash rewards expire after 12 months if there is no activity on the account
  • 3% foreign transaction fee
Bottom LineExcellent cash back credit card with no annual fee and low interest rate... Read full reviewGreat rewards credit card to earn cash back twice with no annual fee... Read full review
 Read Discover It ReviewRead Citi Double Cash 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 April 1, 2020 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 March 20, 2020 from published websites and is believed to be accurate, but not guaranteed.

Which is Better: Discover It or Citi Double Cash?

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.


Articles on Discover it® Cash Back

Discover It Review

With bonus cash back, low interest rate and no annual fee, Discover It is a good card for many. Is it right for you? Read on for the pros and cons.

Articles on Citi® Double Cash Card

Citi Double Cash Card Review

With no annual fee and the opportunity to earn cash back twice, the Citi Double Cash card beats out many cashback credit cards. But are there catches? Read on for the full details.

Compare Discover It to:

Chase Freedom Unlimited

Chase Freedom Unlimited®

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% for 15 months
0% for 15 months
14.99% - 24.74% Variable
Annual Fee
$0
Chase Sapphire Preferred

Chase Sapphire Preferred® Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
15.99% - 22.99% Variable
Annual Fee
$95
Blue Cash Everyday

Blue Cash Everyday® Card from American Express

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% on Purchases for 15 months
N/A
13.99% - 23.99% Variable
Annual Fee
$0

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Compare Citi Double Cash to:

American Express Gold
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/ASee Pay Over Time APR
$250

About CreditDonkey
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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