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Citi Double Cash vs American Express® Gold Card

Compare Rewards, Interest Rates, Fees, and Benefits

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Citi Double Cash is a great rewards credit card to earn cash back twice with no annual fee. How does it compare to American Express Gold, a points charge card? Read our comparison chart below.

Charge Card vs Credit Card: Citi® Double Cash Card is a credit card while American Express® Gold Card is a charge card. If you plan to carry a balance, avoid charge cards as they usually require that you pay in full.

 Read Citi Double Cash ReviewApply Now
 

Citi® Double Cash Card

American Express® Gold Card

 Personal Credit CardPersonal Charge Card
 
Cash Back Rewards
Introductory Bonus OfferAirline RewardsPoint RewardsGrocery RewardsNo Pre-Set Spending Limit
 

Card Interest Rates & Fees

Introductory APR for Balance Transfers0%* introductory APR for 18 months*N/A
Purchase APR15.49% to 25.49%* (Variable) based on your creditworthiness and other factorsSee Rates & Fees
Balance Transfers APR15.49% to 25.49%* (Variable) based on your creditworthiness and other factorsSee Rates & Fees
Foreign Transaction Fee3% of each purchase transaction in US dollars.No foreign transaction fee
Annual Fee$0 annual fee$250 annual fee
 Terms Apply. See Rates & Fees
 

Card Rewards & Benefits

Introductory Bonus Offer Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
Cash Back RewardsEarn cash back twice on every purchase: 1% cash back when you buy; plus an additional 1% cash back as you pay for those purchases 
Airline Rewards Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Point Rewards Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Airline Status $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
Grocery Rewards Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
Dining Rewards Earn 4X Membership Rewards® points when you dine at restaurants worldwide.
Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
Airline Transfer Partners Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.
 

CreditDonkey® Card Reviews

Pros & ConsPros:
  • Earns cash back twice on purchases
  • No annual fee
  • Introductory APR for 18 months on balance transfers
Cons:
  • No signup bonus
  • Cash rewards expire after 12 months if there is no activity on the account
  • 3% foreign transaction fee
Pros:
  • Welcome bonus
  • Airline fee credit
  • 3x points for flights booked directly with airlines
Cons:
  • $250 annual fee
Bottom LineGreat rewards credit card to earn cash back twice with no annual fee... Read full reviewGood rewards card for cardholders who fly frequently or eat out... Read full review
 Read Citi Double Cash ReviewApply Now
What Others View

    See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

    Disclaimer: The information for the Citi® Double Cash Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

    Citi Double Cash: Pricing information including interest rates, rewards, benefits and fees was obtained on November 6, 2019 from published websites and is believed to be accurate, but not guaranteed.


    Articles on Citi® Double Cash Card


    Articles on American Express® Gold Card


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    Compare Citi Double Cash to:

    Chase Freedom Unlimited

    Chase Freedom Unlimited®

    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    0% for 15 months
    0% for 15 months
    16.49% - 25.24% Variable
    Annual Fee
    $0
    Capital One Quicksilver

    Capital One® Quicksilver® Cash Rewards Credit Card

    Introductory Bonus Cash BackCash Back RewardsNo Expiration on RewardsNo Limits on Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    0% intro on purchases for 15 months
    0% intro on balance transfers for 15 months
    15.74% - 25.74% (Variable)
    Annual Fee
    $0
    Chase Sapphire Preferred

    Chase Sapphire Preferred® Card

    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    17.49% - 24.49% Variable
    Annual Fee
    $95

    Disclaimer: The information for the Capital One® Quicksilver® Cash Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


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    Compare American Express Gold to:

    American Express Platinum

    The Platinum Card® from American Express

    Introductory Bonus OfferTravel RewardsAirline RewardsHotel Rewards
    Annual Fee
    $550
    Blue Cash Preferred

    Blue Cash Preferred® Card from American Express

    Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    0% on purchases for 12 months
    0% on balance transfers for 12 months
    14.49% - 25.49% Variable
    Annual Fee
    $95
    Gold Delta SkyMiles

    Gold Delta SkyMiles® Credit Card from American Express

    Introductory Bonus Airline RewardsAirline RewardsCar Rental InsuranceExtended Warranty
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    17.24% - 26.24% Variable
    Annual Fee
    $0 introductory annual fee for the first year, then $95


    About CreditDonkey®
    CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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    *See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

    CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.