Advertiser Disclosure

Best Cash Back Card Pairing: Discover it and Citi Double Cash

Credit Cards, Rewards Credit Cards
With so many websites offering free financial tools, it can be hard to know whom to trust. At NerdWallet, we thoroughly research financial products and companies, and adhere to strict standards of editorial integrity to find you the best choices. We even share how we make money so you can rely on our expert advice and recommendations with clarity and confidence.
Best Cash Back Card Pairing: Discover it and Citi Double Cash

If you could use some free cash — and who couldn’t? — the Nerds have put together a stellar pairing of cash-back credit cards. The Discover it® - Cashback Match™ and Citi® Double Cash Card – 18 month BT offer offer high cash rewards, no annual fees and sweet shopping perks. Together, they’ll help you maximize your rewards.

Get 5% cash back with the Discover it® - Cashback Match™

The Discover it® - Cashback Match™ offers 5% cash rewards on quarterly rotating categories (up to $1,500 spent per quarter). The current categories are:

Discover bonus categories for late 2017 and 2018
Q4 2017 (Oct. 1 – Dec. 31)Amazon.com and Target
Q1 2018 (Jan. 1 – March 31)Gas stations and wholesale clubs
Q2 2018 (April 1 – June 30)Grocery stores
Q3 2018 (July 1 – Sept. 30)Restaurants
Q4 2018 (Oct. 1 – Dec. 31)Amazon.com and wholesale clubs

If you spend more than $1,500 on bonus categories per quarter, and for all other purchases, you’ll be rewarded at a rate of 1%. The Discover it® - Cashback Match™ also comes with access to one of the Nerds’ favorite bonus programs — Discover Deals. Like other rewards malls, you get access to discounts and specials when you shop online with your favorite retailers. There’s also an app that allows you to take the savings in-store.

The Discover it® - Cashback Match™ has an annual fee of $0 and no foreign transaction fees. It offers an introductory APR of 0% on Purchases and Balance Transfers for 14 months, and then the ongoing APR of 11.99% - 23.99% Variable APR.

Citi® Double Cash Card – 18 month BT offer: Rewards, twice

The Citi® Double Cash Card – 18 month BT offer pays card customers 1% cash back when they make purchases and another 1% when they pay them off. (Now that’s an incentive to responsibly pay off your balance!) Cash back can be redeemed in the form of a statement credit, gift card or check, starting at $25.

As a cardholder, you’ll enjoy Citi-branded perks like Citi Price Rewind. If you register your purchases, Price Rewind will search for a lower price online for 60 days. If a better deal is found, you can request a refund for the price difference.

The Citi® Double Cash Card – 18 month BT offer has an annual fee of $0 and an introductory APR of 0% on Balance Transfers for 18 months, and then the ongoing APR of 14.49% - 24.49% Variable APR.

How to maximize your rewards 

Make the most of your cash back rewards by using the Discover it® - Cashback Match™ for 5% bonus category purchases and the Citi® Double Cash Card – 18 month BT offer for 1% on everything else you purchase and 1% when you pay it off. You’ll need to register with Discover it® - Cashback Match™ each quarter to take advantage of the higher rewards.

Plan to use the perks when it’s advantageous. For instance, even if a purchase doesn’t fall into one of the card’s bonus categories, you may be able to get higher rewards through the Discover Deals bonus mall than with the Citi® Double Cash Card – 18 month BT offer.

Bottom line: Earn cash rewards like a rock star with the Discover it® - Cashback Match™ and Citi® Double Cash Card – 18 month BT offer cards. Use the Discover it® - Cashback Match™ to get 5% back on quarterly bonus categories and the Citi® Double Cash Card – 18 month BT offer to earn extra rewards for responsible credit card usage.