Citi Double Cash Card vs Fidelity Rewards Visa Signature Card
Both cards cost $0/yr. The Citi Double Cash Card leads on hotels; the Fidelity Rewards Visa Signature Card on everyday spending.
Card data as of November 13, 2026.
Citi Double Cash CardCiti · No annual fee
Fidelity Rewards Visa Signature CardElan Financial · No annual fee
Overview
- Annual fee
- Citi Double Cash Card$0Fidelity Rewards Visa Signature Card$0
- Welcome offerCurrent public offer
- Citi Double Cash Card$200 cash backFidelity Rewards Visa Signature Card—
- Rewards
- Citi Double Cash CardCash backFidelity Rewards Visa Signature CardCash back
- Foreign transaction fee
- Citi Double Cash Card3%Fidelity Rewards Visa Signature CardNoneLowest
- Network
- Citi Double Cash CardMastercardFidelity Rewards Visa Signature CardVisa Signature
Earn ratesPer $1 spent
- Everything else
- Citi Double Cash Card2%Fidelity Rewards Visa Signature Card2%
Statement creditsAs the issuer states them · — means none on record
- Travel
- Citi Double Cash Card—Fidelity Rewards Visa Signature Card
- Up to $100 back for Global Entry or TSA PreCheck · $100 every 4 years
Perks & access— means none on record
- Hotel status & programs
- Citi Double Cash Card—Fidelity Rewards Visa Signature Card
- 900+ luxury hotel properties with exclusive perks
- Other perks
- Citi Double Cash Card
- Early access to concerts, sports, and theater tickets
- Tap to pay with contactless and digital wallets
- Pay no interest on balance transfers for 18 months
- No annual fee ever on this card
Fidelity Rewards Visa Signature Card- 24/7 Visa Signature Concierge service
- OpenTable dining access after card verification
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Citi Double Cash Card—Fidelity Rewards Visa Signature Card
- Travel Accident Insurance · up to $250,000
- Baggage
- Citi Double Cash Card—Fidelity Rewards Visa Signature Card
- Up to $3,000 lost luggage coverage per trip
- Rental car
- Citi Double Cash Card—Fidelity Rewards Visa Signature Card
- Auto rental collision damage waiver · up to $75,000
- Purchase & returns
- Citi Double Cash Card
- Zero Liability on unauthorized transactions
Fidelity Rewards Visa Signature Card- $500 per claim on theft or damage
- Extended warranty
- Citi Double Cash Card
- Extended warranty (secondary coverage)
Fidelity Rewards Visa Signature Card— - Other protections
- Citi Double Cash Card
- Check your FICO score free every month
- 24/7 fraud monitoring with zero liability protection
- Free help resolving identity theft issues
- Quick card replacement if your wallet is lost or stolen
- Free identity monitoring service from Mastercard network
- Create virtual card numbers for safer online shopping
Show 1 moreShow fewer
- 24/7 lost/stolen card assistance worldwide
Fidelity Rewards Visa Signature Card- 24/7 worldwide travel and emergency assistance
- 24/7 roadside dispatch assistance (pay-per-use)
Pros & cons
- Pros
- Citi Double Cash Card
- 2% flat rate on all purchases with no caps
- No annual fee
- 0% intro APR for 18 months on balance transfers
- Simple earning structure - no tracking categories
- Points can combine with other Citi ThankYou cards
Fidelity Rewards Visa Signature Card- True 2% unlimited cash back on all purchases with no annual fee
- Rewards auto-deposit into Fidelity brokerage, IRA, 529, or cash management accounts
- No minimum redemption threshold (rewards deposit automatically)
- No foreign transaction fee (removed September 1, 2023)
- Visa Signature benefits in the issuer's Guide to Benefits: purchase security, lost luggage reimbursement, auto rental collision damage waiver, travel accident insurance, concierge
- Cons
- Citi Double Cash Card
- 3% foreign transaction fee
- Must pay bill to earn second 1% cash back
- No travel insurance or trip protection
- Relatively modest $200 welcome bonus
- No bonus categories for high spenders
Fidelity Rewards Visa Signature Card- The 2% cash back value applies only when points are deposited into an eligible Fidelity account
- Not flexible if you ever want to leave Fidelity
- No premium travel benefits or lounge access
- Issued by Elan Financial Services, not Fidelity directly (customer service may vary)
- No welcome bonus is listed on the issuer's page
Category-by-Category Winner
No unconditional category winner — 3 categories depend on how you earn.
Hotels
Depends: via issuer travel portal
Citi Double Cash Card earns 5X when conditions are met; Fidelity Rewards Visa Signature Card earns 2X (2X without restrictions)
Car Rentals
Depends: via issuer travel portal
Citi Double Cash Card earns 5X when conditions are met; Fidelity Rewards Visa Signature Card earns 2X (2X without restrictions)
Attractions
Depends: via issuer travel portal
Citi Double Cash Card earns 5X when conditions are met; Fidelity Rewards Visa Signature Card earns 2X (2X without restrictions)
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the Citi Double Cash Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Citi Double Cash Card | Fidelity Rewards Visa Signature Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $408 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $408 Year one: $608 | Rewards: $240 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $240 Year one: $240 | Citi Double Cash Card | Citi Double Cash Card |
| Heavy spender: $4,000/month | Rewards: $1,632 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,632 Year one: $1,832 | Rewards: $960 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $960 Year one: $960 | Citi Double Cash Card | Citi Double Cash Card |
The Bottom Line
Both scenarios favor the Citi Double Cash Card on net value (rewards, usable credits, fees, and welcome offer).
Frequently Asked Questions
- Which card earns more rewards, the Citi Double Cash Card or Fidelity Rewards Visa Signature Card?
- Both cards earn 2X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- Should I get the Citi Double Cash Card or the Fidelity Rewards Visa Signature Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.