Citi Double Cash vs Discover it Cash Back Credit Card Comparison
Updated August 6, 2026 · Representative rates from current offers
Monthly spend
Model your real wallet
Total: $1,550/mo
Citi Citi Double Cash Best value | Discover Discover It Cash Back | |
|---|---|---|
| Net annual value | +$193/yr | +$126/yr |
| Annual fee | $0 — no annual fee | $0 — no annual fee |
| Rewards rate | Varies by category | Varies by category |
| Sign-up bonus | $200 | — |
| 0% intro APR | 18 months | None |
| Regular APR | 17.49% | 17.49% |
| Credit tier | Good–Excellent | Good–Excellent |
| Best for | Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back | Deal-seekers who can track and activate rotating 5% categories each quarter. |
See offer → You'll leave SwitchWize. Verify terms with the issuer. | See offer → You'll leave SwitchWize. Verify terms with the issuer. |
Net annual value
+$193/yr
- Annual fee
- $0 — no annual fee
- Rewards rate
- Varies by category
- Sign-up bonus
- $200
- 0% intro APR
- 18 months
- Regular APR
- 17.49%
- Credit tier
- Good–Excellent
- Best for
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back
You'll leave SwitchWize. Verify terms with the issuer.
Net annual value
+$126/yr
- Annual fee
- $0 — no annual fee
- Rewards rate
- Varies by category
- Sign-up bonus
- —
- 0% intro APR
- None
- Regular APR
- 17.49%
- Credit tier
- Good–Excellent
- Best for
- Deal-seekers who can track and activate rotating 5% categories each quarter.
You'll leave SwitchWize. Verify terms with the issuer.
Net annual value = (monthly spend × rewards rate × 12) + sign-up bonus ÷ 3 years − annual fee. Estimates only — actual value varies by spend and redemption. Full rewards calculator →
How to read this comparison
These are representative current offers, not a personalized quote. Your actual APR depends on your credit profile. Confirm the current terms on each provider’s site before applying.
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FAQ
Is Citi Double Cash or Discover it Cash Back better?
It depends on your spending. Compare the annual fee, rewards rate, and sign-up bonus in the table above, then model your real spend to see which card earns more.
Are these credit card rates personalized to me?
No. The rates shown are representative of current offers and will vary with your credit score, and creditworthiness. Always get a personalized quote before applying.
Can I apply to both?
You can, but multiple card applications in a short window can lower your score. Prequalify where possible and apply to your top choice.