Citi vs Discover
Citi CASHBACK pays 17.49% APR; Discover CASHBACK pays 17.49%. Trade-offs depend on what you prioritize — see the breakdown below.
Option A
Citi
17.49%
APR
- Min
- $0
- Fee
- $0/mo
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
Open with Citi →Option B
Discover
17.74%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Get a 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies. Then 18.74% - 28.74% Standard Variable Purchase APR applies, based on credit worthiness
Open with Discover →How this comparison was built
Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 10/25/2026.