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Side-by-side

Citi Double Cash vs Macy's American Express Card

Both are cashback travel cards. The Citi Double Cash comes from Citi at $0/yr; the Macy's American Express Card from Department Stores National Bank 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.

FeatureCiti Double CashMacy's American Express Card
Annual fee$0$0
Sign-up bonus$200 cash back
Bonus value (est.)$200-
Min spend to unlock bonus$1,500 in 6 mo-
IssuerCitiDepartment Stores National Bank
Card categorycashbackcashback
Best earning category (Citi_travel_hotel_car_attractions)5x1x
Transfer partnersciti-tyNone
Headline benefits
  • 2% everywhere
  • No annual fee
  • TY transfers at 0.7 of premium
  • Simple earning
    Read the full review
    Citi Double Cash
    $0/yr · $200 cash back
    Read the full review
    Macy's American Express Card
    $0/yr ·

    Editorial take: Citi Double Cash

    The OG flat 2% card. The cash back is paid as ThankYou Points, and those points transfer directly to Citi's airline and hotel partners at 0.7 of the premium ratio (1,000 points = 700 miles at most partners); moving them onto a Citi Strata Premier or Strata Elite account gets the printed ratios, 1:1 at most partners. Rock solid for non-bonus spend.

    Editorial take: Macy's American Express Card

    Common questions

    Which card has the bigger sign-up bonus, Citi Double Cash or Macy's American Express Card?
    The Citi Double Cash has a public bonus ($200 cash back, worth roughly $200), while the Macy's American Express Card doesn't advertise one right now.
    Is the Citi Double Cash's $0 annual fee worth it compared to the Macy's American Express Card?
    The Citi Double Cash has no annual fee, so the question is whether the Macy's American Express Card's $0 fee is justified by its perks. If you'll use enough of the Macy's American Express Card's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Citi Double Cash.
    Can I have both the Citi Double Cash and Macy's American Express Card?
    Yes, since they're from different issuers (Citi and Department Stores National Bank) 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 Citi Double Cash or the Macy's American Express Card first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Citi Double Cash: $1,500 spend in 6 months. Macy's American Express Card: no published min spend. 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.