Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Citi Double Cash® Card (no annual fee) and the Gemini Credit Card® (no annual fee) comes down to where you spend most. Neither card has an annual fee, so it comes down to where you spend: Citi Double Cash Card earns more on flights, hotels, other travel and other purchases, Gemini on dining and gas. Enter your monthly spending above to see which comes out ahead for you.
Unlimited 2% cash back on all purchases. Earns a solid 2.0% on everything else.
Perfect if: You're comfortable booking through the issuer's own site for the best rate.
Apply NowStrongest in gas at 4% (up to $3,600/yr). 4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Citi Double Cash Card | Gemini Credit Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $1,500 spend in 6 months | None |
| Foreign Transaction Fee | 3% | 0% |
| Base Reward Rate | 2% | 1% |
| Dining Rewards | 2% | 3% |
| Groceries Rewards | 2% | 2% |
| Gas Rewards | 2% | 4% (up to $3,600/yr) |
| Rates with conditions not counted in the rows above |
5% through Citi Travel Earns 5% only on hotels, car rentals and attractions booked through Citi Travel, Citi's own booking site. Travel booked anywhere else earns the flat 2%. |
None |
| Key Benefits | Unlimited 2% cash back on all purchases. | 4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries. |
Citi Double Cash Card pulls ahead for travel spending.
Gemini Credit Card wins on dining, gas.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.