Discover it Cash Back vs Citi Double Cash: Which card offers better rewards? Find out in this detailed comparison of benefits and features. Make an informed choice!When choosing the best cash back credit card, two top contenders often come up: Discover it Cash Back vs Citi Double Cash. This in-depth Discover vs Citi comparison breaks down the features, rewards, and benefits of each card to help you decide which cash back card is better for your lifestyle. Whether you’re attracted to the rotating bonus categories and unique perks of the Discover card or the straightforward simplicity of Citi Double Cash’s 2% cash back structure, our cash back credit card comparison provides all the insights you need.
Credit cards that offer cash back rewards are a favorite among consumers looking for flexible, no-annual-fee options to earn rewards on everyday spending. In this comprehensive review, we compare Discover it Cash Back vs Citi Double Cash—two of the most popular no annual fee cash back cards on the market.
On one hand, the Discover it Cash Back card offers unique rotating bonus categories along with a first-year match that many find enticing. On the other hand, the Citi Double Cash card provides a simple and attractive flat-rate of 2% cash back on all purchases, making it arguably the best 2% cash back credit card available.
Our Discover it vs Citi Double Cash rewards review covers everything from reward structures and benefits to customer experience and overall value, helping you make an informed decision in your search for the best cash back credit card.
Overview of Each Card
Discover it Cash Back
Discover it Cash Back benefits include:
- Rotating Bonus Categories: Earn 5% cash back on categories that change quarterly (up to a quarterly maximum) and 1% on all other purchases.
- First-Year Cashback Match: Discover automatically matches all the cash back you’ve earned at the end of your first year.
- No Annual Fee: Enjoy all the rewards with no annual fee, making it a strong contender among no annual fee cash back cards.
- Additional Perks: Includes free FICO score tracking, fraud alerts, and a user-friendly mobile app to manage your rewards.
Citi Double Cash
The Citi Double Cash review highlights:
- Simple Rewards Structure: Earn 1% cash back on purchases and an additional 1% as you pay off those purchases, resulting in a total of 2% cash back—earning you what is often cited as the best 2% cash back credit card rate.
- No Annual Fee: Citi Double Cash is a no annual fee cash back card, which appeals to users who prefer straightforward rewards without extra costs.
- Ease of Use: With no rotating categories or activation requirements, the card offers a simple, transparent rewards system that rewards you on every purchase.
- Additional Features: Includes robust customer service and easy online account management.
Read: Card Comparisons
Detailed Comparison: Discover it Cash Back vs Citi Double Cash
Below is a detailed comparison table outlining key features of each card:
| Feature | Discover it Cash Back | Citi Double Cash |
|---|---|---|
| Rewards Structure | Rotating Bonus Categories: 5% cash back on quarterly categories (up to limits) and 1% on all other purchases. | Flat-Rate: 2% cash back on all purchases (1% when you buy and 1% when you pay). |
| Annual Fee | $0 | $0 |
| First-Year Bonus | Cashback Match: Discover will match your earned cash back at the end of your first year. | No introductory match bonus. |
| Redemption Flexibility | Redeem for statement credits, gift cards, or other options; flexible redemption portal. | Straightforward cash back redemption; statement credits or direct deposit. |
| Additional Benefits | Free FICO score monitoring, fraud alerts, mobile app management. | Simple, easy-to-use rewards; excellent for users who value consistency. |
| Best For | Users who enjoy maximizing rewards through rotating bonus categories and a first-year match. | Users who prefer a simple, hassle-free rewards program with a guaranteed 2% cash back. |
Pros and Cons
Discover it Cash Back
Pros:
- High rewards potential in bonus categories.
- Unique first-year cashback match.
- Comprehensive benefits including free credit score monitoring.
- Flexible redemption options.
Cons:
- Rotating categories require activation and planning.
- Bonus categories may not always align with your spending habits.
Citi Double Cash
Pros:
- Simple and straightforward 2% cash back on all purchases.
- No activation required—earn rewards automatically.
- Ideal for users who want consistency without having to track rotating categories.
- Great for everyday spending with a flat rewards rate.
Cons:
- Lacks the additional bonus opportunities offered by rotating categories.
- No introductory bonus match like Discover it Cash Back.
Which Card Is Better?
Deciding which cash back card is better depends on your personal spending habits and preferences:
- If you enjoy maximizing rewards by planning around quarterly bonus categories and appreciate the added value of a first-year match, the Discover it Cash Back card may be the best choice for you.
- However, if you prefer a simple, reliable rewards system that guarantees 2% cash back on every purchase without the need to track bonus categories, then the Citi Double Cash card stands out as an excellent option.
Both cards are among the best cash back credit cards available and come with no annual fee, making them attractive choices for different types of cash back enthusiasts.
Tips for Maximizing Your Cash Back
Analyze Your Spending:
Look at your monthly expenses to determine if your spending aligns better with rotating bonus categories or a flat-rate rewards system.Activate and Track Bonus Categories (if using Discover it):
Make sure to activate your quarterly bonus categories and plan your purchases accordingly to maximize your rewards.Pay On Time:
For both cards, timely payments are crucial to avoid interest charges that could negate your cash back earnings.Monitor Your Rewards:
Use your card’s mobile app or online portal to track your rewards and redeem them strategically.Combine with Other Perks:
Consider other benefits like free credit score monitoring (Discover it) or simplicity and ease of use (Citi Double Cash) to enhance your overall experience.
Conclusion
Both Discover it Cash Back vs Citi Double Cash offer compelling benefits for anyone looking for the best cash back credit card without an annual fee. The Discover it Cash Back card is ideal if you value high rewards through rotating bonus categories and a first-year cashback match. In contrast, the Citi Double Cash card excels in simplicity and reliability, delivering a consistent 2% cash back on all purchases.
Ultimately, your choice should depend on your spending habits and personal preference. Whether you opt for the dynamic rewards of Discover it or the straightforward benefits of Citi Double Cash, both cards are excellent choices to help you earn cash back on every purchase.
For more credit card comparisons and financial tips, explore our additional guides and resources. Make the most of your spending and choose the cash back card that fits your lifestyle best!
