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Citi Double Cash vs Discover it Cash Back

Claire's comparison · last verified June 2026
Claire's quick verdict

Citi Double Cash (8.1/10) wins for most people. Discover it Cash Back wins for a specific profile.

Winner
Citi Double Cash
8.1/10
Fee: $0
2% on everything
Full review →
Runner-up
Discover it Cash Back
7.6/10
Fee: $0
5% rotating, 1% base
Full review →
Who should choose Citi Double Cash

No-fee flat-rate cashback. The math floor. 2% everywhere, no fee, no categories to track.

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Who should choose Discover it Cash Back

First credit card / building credit. Best first card. Year-one Cashback Match doubles every dollar earned.

Apply now →

Head to head, by the numbers

Citi Double Cash Discover it Cash Back
Claire's score8.1/107.6/10
Price——
Top strength2% on everything (no categories)Year-one Cashback Match effectively doubles all earnings
Biggest drawbackNo bonus categoriesRotating 5% categories require quarterly activation
The case for Citi Double Cash Card
•2% on everything (no categories)
•No annual fee
•No foreign transaction fee
•Balance transfer option (0% intro periods available)
The case for Discover it Cash Back
•Year-one Cashback Match effectively doubles all earnings
•No annual fee
•Free FICO score monitoring
•Good approval odds for limited credit history
Bottom line

Citi Double Cash is Claire's recommendation for most people reading this comparison. Score: 8.1/10. The math floor. 2% everywhere, no fee, no categories to track.

Discover it Cash Back (7.6/10) is the right choice for a specific situation: first credit card / building credit. If that describes you, the full review has the complete math.

Common questions

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