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Citi Double Cash Card vs Discover it Miles
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Citi Double Cash CardCiti | Discover it MilesDiscover |
|---|---|---|
| Rating | 4.5/5 | 4.2/5 |
| Annual Fee | $0 | $0 |
| APR | 17.49% - 27.49% | 17.49% - 26.49% |
| Signup Bonus | $200 cash back after spending $1,500 in 6 months | Unlimited Mile-for-Mile match for all miles earned in first year |
| Rewards Rate | 2% on everything (1% on purchase + 1% on payment), 5% on hotels/cars/attractions via Citi Travel | 1.5X miles on every purchase |
| Credit Score | good | good |
| Pros | Flat 2% cashback on everything — no categories to track 5% on hotels, car rentals, and attractions via Citi Travel 18-month 0% intro APR on balance transfers | First-year Miles Match doubles all rewards to effectively 3X $0 annual fee and no foreign transaction fees 0% intro APR for 15 months on purchases and balance transfers |
| Cons | 3% foreign transaction fee No additional perks or insurance Must pay at least minimum due to earn the second 1% | 1.5X base rate is average after first year Discover not accepted as widely internationally No transfer partners or premium travel perks |
| View Details → | View Details → |
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Verdict
Our Pick: Citi Double Cash Card
With a 4.5/5 rating, the Citi Double Cash Card edges out the Discover it Miles (4.2/5). No annual fee makes it easy to justify. The Citi Double Cash is the no-nonsense cashback card. A flat 2% back on every purchase with no annual fee, plus 5% on travel booked through Citi. If you want simplicity and guaranteed returns, this is it.