First-year winner
Citi Double Cash Card
$118 Year 1 edge
$873 vs $756
Compare Cards
Stack up the better credit card
Compare two cards side by side with your real spend, credits, fees, and rewards.
Card A
Card B
Monthly spend
Start with spending categories
Monthly Total
$2,430/mo
Reward assumptions
Credits & benefits
Count the credits and perks you actually expect to use. Credit rows start with conservative default values; edit them for your own merchant, timing, or travel friction.
Card A
Citi Double Cash Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Citi Entertainment
Other · No listed cash value
Eligible cardholders can access select tickets, experiences, and presales through Citi Entertainment.
Perk
Citi Travel Access
Other · No listed cash value
Cardholders can book eligible travel through Citi Travel and access current portal offers.
Card B
Capital One Savor Cash Rewards Credit Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Capital One Travel Protections
Price Protection · No listed cash value
Capital One Travel includes booking tools such as price monitoring, price drop protection, price match, and flexible booking features on eligible bookings.
Perk
Capital One Entertainment Access
Other · No listed cash value
Access to eligible entertainment, sports, and dining events through Capital One Entertainment.
Perk
Capital One Dining Access
Other · No listed cash value
Access to select dining reservations and culinary experiences through Capital One Dining.
Perk
Hertz Five Star Status
Other · No listed cash value
Eligible cardholders can enroll in Hertz Five Star status for added rental benefits.
Verdict
Citi Double Cash wins year 1 and long term.
Winner after year 1
Citi Double Cash Card
$118 ongoing edge
$673 vs $556
Long-term breakeven: the higher-reward option needs roughly $0 per year in this spend mix to overcome the fee and benefit gap.
Citi
Citi Double Cash Card
Year One
$873
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$673
Annual rewards + counted benefits - fee
Annual Rewards
$673
2.31% effective return
Welcome Offer
$200
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
$1,500
6 mo window · $250/mo pace · Comfortable
Why it wins
- • No standout edge under the current assumptions.
Watch for
- • Foreign transaction fees make it weaker for international spend.
Capital One
Capital One Savor Cash Rewards Credit Card
Year One
$756
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$556
Annual rewards + counted benefits - fee
Annual Rewards
$556
1.91% effective return
Welcome Offer
$200
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
$500
3 mo window · $167/mo pace · Comfortable
Why it wins
- • Stays usable for international purchases.
Watch for
- • No major red flag surfaced from the current math.
Spend Mix Math
Where the value actually comes from
Category returns are based on the spend mix you entered, your point-value assumption, and the benefits you chose to count.
Dining
2%
$5,400
Citi Double Cash
$108
2.00%
Capital One Savor Cash
$162
3.00%
Groceries
2%
$7,800
Citi Double Cash
$156
2.00%
Capital One Savor Cash
$234
3.00%
Travel
5%
$3,000
Citi Double Cash
$150
5.00%
Capital One Savor Cash
$30
1.00%
Gas
2%
$1,920
Citi Double Cash
$38
2.00%
Capital One Savor Cash
$19
1.00%
General
2%
$11,040
Citi Double Cash
$221
2.00%
Capital One Savor Cash
$110
1.00%
Total annual spend
$29,160 across this mix
Citi Double Cash$673
Capital One Savor Cash$556
Raw Breakdown
Full side-by-side details
Use the spec table below when you want the literal field-by-field differences in rewards, benefits, transfer partners, fees, and approval profile.
| Metric | Citi Double Cash Card | Capital One Savor Cash Rewards Credit Card |
|---|---|---|
| Costs | ||
| Annual fee | Free | Free |
| Foreign transaction fee | 3% | None |
| Rewards | ||
| Dining rewards | — | 3% |
| Entertainment rewards | — | 3% |
| Groceries rewards | — | 3% |
| Streaming rewards | — | 3% |
| Travel rewards | 5% Total 5% on eligible hotels, car rentals, and attractions booked with Citi Travel. | 5% Hotels, vacation rentals, rental cars, and activities through Capital One Travel. |
| All rewards | 2% 1% when you buy plus 1% as you pay. | 1% |
| Offer | ||
| Welcome offer | $200 credit Spend $1,500 in 6 mo | $200 credit Spend $500 in 3 mo |
| Benefits | ||
| Estimated benefits | 2 listed | 4 listed |
| Benefit highlights | Citi Entertainment · Citi Travel Access | Capital One Travel Protections · Capital One Entertainment Access · Capital One Dining Access · +1 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | mastercard | — |
| Reward type | Cashback | Cashback |
Costs
Annual fee
Citi Double Cash Card
Free
Capital One Savor Cash Rewards Credit Card
Free
Foreign transaction fee
Citi Double Cash Card
3%
Capital One Savor Cash Rewards Credit Card
None
Rewards
Dining rewards
Citi Double Cash Card
—
Capital One Savor Cash Rewards Credit Card
3%
Entertainment rewards
Citi Double Cash Card
—
Capital One Savor Cash Rewards Credit Card
3%
Groceries rewards
Citi Double Cash Card
—
Capital One Savor Cash Rewards Credit Card
3%
Streaming rewards
Citi Double Cash Card
—
Capital One Savor Cash Rewards Credit Card
3%
Travel rewards
Citi Double Cash Card
5%
Total 5% on eligible hotels, car rentals, and attractions booked with Citi Travel.
Capital One Savor Cash Rewards Credit Card
5%
Hotels, vacation rentals, rental cars, and activities through Capital One Travel.
All rewards
Citi Double Cash Card
2%
1% when you buy plus 1% as you pay.
Capital One Savor Cash Rewards Credit Card
1%
Offer
Welcome offer
Citi Double Cash Card
$200 credit
Spend $1,500 in 6 mo
Capital One Savor Cash Rewards Credit Card
$200 credit
Spend $500 in 3 mo
Benefits
Estimated benefits
Citi Double Cash Card
2 listed
Capital One Savor Cash Rewards Credit Card
4 listed
Benefit highlights
Citi Double Cash Card
Citi Entertainment · Citi Travel Access
Capital One Savor Cash Rewards Credit Card
Capital One Travel Protections · Capital One Entertainment Access · Capital One Dining Access · +1 more
Profile
Credit needed
Citi Double Cash Card
Good
Capital One Savor Cash Rewards Credit Card
Good
Network
Citi Double Cash Card
mastercard
Capital One Savor Cash Rewards Credit Card
—
Reward type
Citi Double Cash Card
Cashback
Capital One Savor Cash Rewards Credit Card
Cashback