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Side-by-side
BECU Low Rate Credit Card vs Citi Double Cash
Both are well-respected travel cards. The BECU Low Rate Credit Card comes from BECU at $0/yr; the Citi Double Cash from Citi at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | BECU Low Rate Credit Card | Citi Double Cash |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | No welcome bonus | $200 cash back |
| Bonus value (est.) | $0 | $200 |
| Min spend to unlock bonus | $0 in 0 mo | $1,500 in 6 mo |
| Issuer | BECU | Citi |
| Card category | low-interest | cashback |
| Best earning category (All_purchases) | 0x | 1x |
| Transfer partners | None | citi-ty |
| Headline benefits |
|
Read the full review
BECU Low Rate Credit Card
$0/yr · No welcome bonus
Read the full review
Citi Double Cash
$0/yr · $200 cash back
Editorial take: Citi Double Cash
The OG flat 2% card. Pairs with Custom Cash + Premier to form Citi's trifecta, turns your combined cash back into transferable ThankYou Points. Rock solid for non-bonus spend.
Common questions
- Which card has the bigger sign-up bonus, BECU Low Rate Credit Card or Citi Double Cash?
- The Citi Double Cash has the bigger bonus, $200 cash back, worth roughly $200, versus No welcome bonus (~$0) on the BECU Low Rate Credit Card.
- Is the BECU Low Rate Credit Card's $0 annual fee worth it compared to the Citi Double Cash?
- The BECU Low Rate Credit Card has no annual fee, so the question is whether the Citi Double Cash's $0 fee is justified by its perks. If you'll use enough of the Citi Double Cash's benefits to clear $0 in value annually, it's worth it; otherwise stick with the BECU Low Rate Credit Card.
- Can I have both the BECU Low Rate Credit Card and Citi Double Cash?
- Yes, since they're from different issuers (BECU and Citi) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the BECU Low Rate Credit Card or the Citi Double Cash first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Low Rate Credit Card: $0 spend in 0 months. Citi Double Cash: $1,500 in 6 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.