Discover it® Chrome
vs. Citi Double Cash® Card

Both the Discover it Chrome and Citi Double Cash Card offer rewards and introductory APRs. For those seeking straightforward cash back on every purchase, the Citi Double Cash Card edges ahead with its 2% cash back on all purchases.

However, Discover it Chrome is also a strong card. Discover it Chrome offers 0% introductory APR on purchases and balance transfers. While both cards have their merits, the Citi Double Cash's higher cash back rate makes it a good choice for everyday spending. Yet, the Discover it Chrome should not be overlooked.

You might prefer the Citi Double Cash if you value simplicity in earning rewards, as it offers a flat 2% cash back on all purchases without the need to track spending categories. This card is appealing if you're looking for a generous balance transfer offer to manage existing debt.

You might prefer the Discover it Chrome if you spend regularly on gas and dining, as it offers 2% cash back in these categories each quarter, up to a quarterly maximum. Additionally, this card is a better fit for international travel since it has no foreign transaction fees.

Evaluating APRs, fees, credit requirements, rewards, introductory offers and additional features will help you assess which card matches your financial needs. For instance, if you frequently dine out or fill up your car, Discover it Chrome's gas and restaurant cash back might appeal to you. Alternatively, Citi Double Cash's flat-rate cash back could be more beneficial if you have varied spending.

The Citi Double Cash leads with simple yet effective rewards, offering a flat 2% cash back on all purchases — 1% when you buy and another 1% when you pay for those purchases. This is appealing for those who value a consistent rewards rate across all spending without having to track category bonuses.

The Discover it Chrome caters to those who frequently spend on gas and dining, offering 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. For all other purchases, it provides 1% cash back. While the Citi Double Cash maintains an edge with its overall reward rate, the Discover it Chrome could be more rewarding for those who spend heavily in its bonus categories.

Refer to the table below for a comparison of the bonus categories for each card.

Discover it Chrome offers versatile redemption options. Cardholders can redeem their cash back for gift cards, statement credits or direct deposits. Discover it Chrome card also allows cash back to be used at Amazon.com checkout and for charitable donations, with the added benefit that rewards never expire.

Citi Double Cash offers flexible redemption options that do not expire for the life of the account. Whether you prefer statement credits, checks or using rewards for travel, each card provides a variety of choices for accessing your cash back. Citi Double Cash also allows for direct deposits, among other methods.

MoneyGeek evaluates credit cards like Discover it Chrome and Citi Double Cash cards based on their performance in various use cases. The evaluation considers factors such as the cash back rate and the value of introductory offers.

The factors used in our scoring include the effective reward rate and the return on investment for card offers. For a better understanding of our ranking process, you can review our ranking methodology.