Citi Double Cash vs Discover It Miles
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Citi Double Cash wins 3-1. Set-it-and-forget-it 2% on everything Discover It Miles is still the right call if no-fee flat travel earn — first-year doubled effectively makes it 3x..
Side-by-side
| Criterion | Citi Double Cash | Discover It Miles |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 2% (general) | · 1.5% (general) |
| Base reward rate | 2% | · 1.5% |
| Forex markup | · 3% | No FX fee |
| Welcome bonus | = $200 cash back after spending $1,500 in first 6 months | = Discover doubles all miles earned in your first year (Mile Match) |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | 4.5/5 | · 4.4/5 |
Benefits compared
Citi Double Cash
- 1% cash back when you buy + 1% when you pay
- No annual fee
- No category restrictions or rotating bonuses
- 0% intro APR on balance transfers for 18 months
- Convert cash back to ThankYou Points (transferable to airline partners)
Discover It Miles
- 1.5x miles on every purchase
- Discover Mile Match: doubles all miles earned in year 1
- Redeem against any travel purchase
- No annual fee, no foreign transaction fees
- Free FICO score
FAQ
›Citi Double Cash vs Discover It Miles: which is better?
Citi Double Cash wins on more dimensions (3 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Citi Double Cash for its best categories, Discover It Miles for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Citi Double Cash: $200 cash back after spending $1,500 in first 6 months. Discover It Miles: Discover doubles all miles earned in your first year (Mile Match).