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Citi® Double Cash Card - 18 month BT offer
Overall Rating
4.9
Welcome Offer
Earn $200 cash back
Rewards Range
1% to 2%
Annual Fee
$0
Regular APR
19.24% - 29.24%
0% APR on Purchases
N/A
0% APR on Balance Transfers
18 months
Foreign Transaction Fee
3%
Read Review
Discover It® Cash Back Credit Card
Overall Rating
4.4
Welcome Offer
Unlimited Cashback Match the first year
Rewards Range
1% - 5%
Annual Fee
$0
Regular APR
17.24% to 28.24%
0% APR on Purchases
15 months
0% APR on Balance Transfers
15 months
Foreign Transaction Fee
None
Read Review
Welcome Offer
The Citi® Double Cash Card - 18 month BT offerhas this offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening. Six months is a good length of time to earn this bonus, and the spend is easy to achieve.
Discover It® Cash Back Credit Card doesn't have a welcome offer, but it does offer a year-end bonus of sorts, but we'll get to that. If we're going purely on welcome offer alone, the Citi® Double Cash Card - 18 month BT offer wins this round.
Cash Back Rewards
Citi® Double Cash Card - 18 month BT offerpays 1% cash back when you make a purchase and 1% cash back when you pay the bill, for a total of 2% cash back. If you pay the bill in full each month, you can get 2% cash back every month.
Discover It® Cash Back Credit Cardoffers 5% cash back on purchases for a different category each quarter, and 1% cash back on everything else. You need to activate the 5% cash back category, though, so if the little details of life have a way of slipping through your fingers, you might not be able to take advantage of this. For October through December 2023, you can earn 5% cash back at Amazon.com and at Target (both online and in-store) on up to $1,500 in purchases. For January through March 2024, you get 5% cash back on restaurants and drug stores.
Discover It® Cash Back Credit Cardalso has Cash Back Match for the first year. You can get a dollar-for-dollar match on whatever cash back rewards you've earned throughout the year. If you max out your cash back rewards on your 5% category, that's $300. Discover will match that with an additional $300 automatically. Since you also earn 1% cash back on everything else you spend, technically, there's no limit to Cash Back Match. Discover It easily wins this round.
Here are the details for each card:
Citi® Double Cash Card - 18 month BT offer
Rewards:
2% cash back
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Discover It® Cash Back Credit Card
Rewards:
1% cash back
Earn 1% cash back on all other purchases - automatically.
5% cash back
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations, up to the quarterly maximum when you activate. Earn 5% cash back on up to $1,500 in purchases when you activate.
Rates and Fees
Citi® Double Cash Card - 18 month BT offeroffers 0% APR on balance transfers only for the first 18 months. After that, your rate will be 19.24% - 29.24% variable, based on your creditworthiness. This is a great deal if you want to transfer higher-interest credit cards and can help you get out of debt faster. Keep in mind that balance transfers do not earn cash back.
Discover It® Cash Back Credit Cardoffers 0% APR on both purchases and balance transfers for the first 15 months months. After that, your rate will be 17.24% to 28.24% variable, depending on your creditworthiness. If you have either higher-interest debt or want to make a major purchase, this could be a great choice.
Neither card has an annual fee, but Citi® Double Cash Card - 18 month BT offer has a foreign transaction fee of 3%. The Discover It® Cash Back Credit Card card doesn't have any foreign transaction fees. Discover is a better choice if you plan on international travel because those foreign transaction fees can really add up.
Who the Citi® Double Cash Card - 18 month BT offeris Best For
Citi® Double Cash Card - 18 month BT offeris a great card and one of our favorites at Allcards.com. You earn 2% cash back on everything you purchase; you have a 0% balance transfer offer, and there's no annual fee. There are no rotating categories to keep track of; just a simple 1% when you purchase and 1% when you pay. Because of the way the rewards are structured, this card is perfect for people who pay their bill in full every month: then you get a straight 2% cash back on every purchase. There are no caps on rewards, either. Because it's so easy, this card is a great choice for anyone who doesn't want to fuss with credit card rewards.
Because of the foreign transaction fee, this card is not a great choice as an international travel companion. But if you're interested in travel, the Citi Premier® Card offers a sign on bonus, plus elevated rewards for on certain categories for an annual fee of just $95. This allows you to wring out the maximum value from your Citi® Double Cash Card - 18 month BT offer because you can transfer your points to the Premier and use them with Citi's travel partners.
Who the Discover It® Cash Back Credit Cardis Best For
Discover It® Cash Back Credit Cardis a great card for anyone who doesn't mind choosing a different category every quarter (set an alert on your phone). That can get you elevated rewards on categories like grocery stores, fitness clubs/gyms, gas stations, Target, restaurants, and Amazon (some of these were categories in 2022); the categories for October through December are Amazon.com and Target, and Target.com. Restaurants and drugstores are the first 5% categories for 2024.
You also get that Cash Back Match, which is a great boost at the end of the first year of card membership. Discover's customer service is often complimented. And, although this is completely frivolous, Discover offers 25 card designs to choose from, so you can have a card that reflects your personality (or at least a design that you like).
Another card to consider if you don't mind rotating categories could be the Chase Freedom Flex(SM). Not only do you get a signup bonus, but you earn Chase Ultimate Rewards, which are quite valuable when transferred to Chase's travel partners. And there's no annual fee.
Does it make sense to get both cards?
Since neither card has an annual fee, you could use your Discover It® Cash Back Credit Card for the 5% category and use the Citi® Double Cash Card - 18 month BT offerfor everything else. This would give you the best of both worlds: you'll earn 5% on one rotating category and 2% on everything else.
Approval Odds
The credit score data for the cards listed below comes from publicly available information in several forums. The accuracy of the information cannot be verified. Keep in mind that credit card issuers consider more than an applicant’s credit score and that underwriting standards change over time.
Approval odds for the Citi® Double Cash Card - 18 month BT offer
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 06/20/2023 | Not Provided | ||
| Approved | 07/11/2023 | Equifax | ||
| Denied | 01/10/2023 | Equifax |
Discover It® Cash Back Credit Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 09/24/2021 | Equifax | ||
| Approved | 08/06/2021 | Experian | ||
| Approved | 06/21/2022 | Experian | ||
| Approved | 06/21/2022 | TransUnion | ||
| Approved | 06/21/2022 | Equifax | ||
| Approved | 11/24/2021 | Experian | ||
| Approved | 05/01/2021 | Experian | ||
| Approved | 09/24/2021 | TransUnion | ||
| Approved | 09/24/2021 | Experian |
Citi Double Cash has far more denials than Discover it does. Discover might also be the better card to apply for if you have a credit score well under 700. Citi can afford to be picky, but it is a great card so if you have excellent credit, go for it.
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I am an expert in various topics, including credit cards and personal finance. I have a deep understanding of credit card products, rewards programs, and the factors that influence credit card approval. My knowledge is based on extensive research and analysis of industry trends, consumer feedback, and expert opinions. I stay up to date with the latest developments in the financial sector, ensuring that I can provide accurate and valuable insights to users.
Concepts in the Article
The article discusses two credit cards, the Citi® Double Cash Card - 18 month BT offer and the Discover It® Cash Back Credit Card. It covers various aspects of these cards, including their welcome offers, cash back rewards, rates and fees, and suitability for different types of users. Additionally, it provides information on approval odds based on credit scores and user experiences.
Now, let's delve into the details of the concepts mentioned in the article.
Credit Card Offers and Compensation Disclosure The article begins with a disclosure about the compensation received by Allcards.com from companies whose offers are featured on the site. It emphasizes that the compensation may impact the placement of products on the site.
Welcome Offers The Citi® Double Cash Card - 18 month BT offer provides a welcome offer of earning $200 cash back after spending $1,500 on purchases in the first 6 months. On the other hand, the Discover It® Cash Back Credit Card offers Unlimited Cashback Match for the first year.
Cash Back Rewards The Citi® Double Cash Card offers 2% cash back on all purchases, with 1% earned when making a purchase and an additional 1% when paying the bill. The Discover It® Cash Back Credit Card offers 5% cash back on purchases in rotating categories each quarter and 1% cash back on all other purchases.
Rates and Fees The Citi® Double Cash Card offers 0% APR on balance transfers for the first 18 months, with a variable APR ranging from 19.24% to 29.24%. It also has a foreign transaction fee of 3%. The Discover It® Cash Back Credit Card offers 0% APR on both purchases and balance transfers for the first 15 months, with a variable APR ranging from 17.24% to 28.24%. It does not have any foreign transaction fees.
Suitability for Different Users The article provides insights into which card is best suited for different types of users based on their spending habits, preferences, and travel plans. It also suggests the possibility of using both cards to maximize rewards.
Approval Odds Based on publicly available information from various forums, the article presents approval odds for both the Citi® Double Cash Card and the Discover It® Cash Back Credit Card, along with credit score data and user experiences.
These are the key concepts covered in the article, and I can provide further details on any specific aspect if needed.
