Which card earns more rewards, the Citi Double Cash Card or Imagine Visa Credit Card?

The Citi Double Cash Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Citi Double Cash Card or the Imagine Visa Credit Card?

Choose based on which bonus categories and benefits match your spending — check the earn rate comparison above.

Citi Double Cash Card vs Imagine Visa Credit Card

The Citi Double Cash Card leads on hotels; the Imagine Visa Credit Card leads on gas stations. See category winners and spend scenarios below.

Card data as of November 13, 2026.

Credit card comparison
Overview
	Citi Double Cash Card Citi · No annual fee	Imagine Visa Credit Card WebBank · $99 or $125 or $175/yr by version (set at approval)
Annual fee	$0	$99 or $125 or $175 $99 ($400 initial limit (first year)) or $125 ($500 initial limit (first year)) or $175 ($700 or $1,000 initial limit (first year)), set at approval
Welcome offerCurrent public offer	$200 cash back	—
Rewards	Cash back	—
Foreign transaction fee	3%	3%
Network	Mastercard	Visa
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
Gas Stations	2%	3x
Grocery Stores	2%	3x
Utilities	2%	3x
Everything else	2%	1x
Perks & access— means none on record
Other perks	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	Easy account management online and mobile Unsecured card—no deposit needed
Protections & insuranceLimits where published · — means none on record
Purchase & returns	Zero Liability on unauthorized transactions	—
Extended warranty	Extended warranty (secondary coverage)	—
Other protections	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	3-bureau credit reporting $0 fraud liability—you're protected
Pros & cons
Pros	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	No security deposit required (unsecured card) Reports to all three major credit bureaus (Experian, Equifax, TransUnion) Available to consumers with poor or limited credit Earns 3% cash back on gas, grocery, and utility purchases, 1% elsewhere
Cons	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	High annual fee ($99 to $175 in the first year depending on initial credit limit, then $49 a year) Additional monthly maintenance fee ($15/month after the first 12 months) and a $2 monthly paper statement fee Very high APR (36%) Cash back redeems only as an automatic annual statement credit Low initial credit limit (typically $300)
	Card details	Card details

Citi Double Cash Card
Citi · No annual fee
Imagine Visa Credit Card
WebBank · $99 or $125 or $175/yr by version (set at approval)

Overview

Annual fee: Citi Double Cash Card
$0
Imagine Visa Credit Card
$99 or $125 or $175
$99 ($400 initial limit (first year)) or $125 ($500 initial limit (first year)) or $175 ($700 or $1,000 initial limit (first year)), set at approval
Welcome offerCurrent public offer: Citi Double Cash Card
$200 cash back
Imagine Visa Credit Card
—
Rewards: Citi Double Cash Card
Cash back
Imagine Visa Credit Card
—
Foreign transaction fee: Citi Double Cash Card
3%
Imagine Visa Credit Card
3%
Network: Citi Double Cash Card
Mastercard
Imagine Visa Credit Card
Visa

Earn ratesPer $1 spent · points and cash back aren’t ranked against each other

Gas Stations: Citi Double Cash Card
2%
Imagine Visa Credit Card
3x
Grocery Stores: Citi Double Cash Card
2%
Imagine Visa Credit Card
3x
Utilities: Citi Double Cash Card
2%
Imagine Visa Credit Card
3x
Everything else: Citi Double Cash Card
2%
Imagine Visa Credit Card
1x

Perks & access— means none on record

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
Imagine Visa Credit Card
Easy account management online and mobile
Unsecured card—no deposit needed

Protections & insuranceLimits where published · — means none on record

Purchase & returns: Citi Double Cash Card
Zero Liability on unauthorized transactions
Imagine Visa Credit Card
—
Extended warranty: Citi Double Cash Card
Extended warranty (secondary coverage)
Imagine Visa Credit 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
Imagine Visa Credit Card
3-bureau credit reporting
$0 fraud liability—you're protected

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
Imagine Visa Credit Card
No security deposit required (unsecured card)
Reports to all three major credit bureaus (Experian, Equifax, TransUnion)
Available to consumers with poor or limited credit
Earns 3% cash back on gas, grocery, and utility purchases, 1% elsewhere
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
Imagine Visa Credit Card
High annual fee ($99 to $175 in the first year depending on initial credit limit, then $49 a year)
Additional monthly maintenance fee ($15/month after the first 12 months) and a $2 monthly paper statement fee
Very high APR (36%)
Cash back redeems only as an automatic annual statement credit
Low initial credit limit (typically $300)

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

The Citi Double Cash Card wins in 4 of 7 categories. The Imagine Visa Credit Card leads in 3.

Hotels

Citi Double Cash Card earns 5X vs 1X

5X via issuer travel portal

Car Rentals

Citi Double Cash Card earns 5X vs 1X

5X via issuer travel portal

Attractions

Citi Double Cash Card earns 5X vs 1X

5X via issuer travel portal

Gas Stations

Imagine Visa Credit Card earns 3X vs 2X

Grocery Stores

Imagine Visa Credit Card earns 3X vs 2X

Utilities

Imagine Visa Credit Card earns 3X vs 2X

Everyday purchases

Citi Double Cash Card earns 2X on all other spending vs 1X

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.

Scenario	Citi Double Cash Card	Imagine Visa Credit 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: $180 Credits (our usable estimate): $0 Annual fee $99 ($400 initial limit (first year)) or $125 ($500 initial limit (first year)) or $175 ($700 or $1,000 initial limit (first year)), set at approval; net est. $81 ($400 initial limit (first year)) or $55 ($500 initial limit (first year)) or $5 ($700 or $1,000 initial limit (first year)) Ongoing: — Year one: —	—	—
Heavy spender: $4,000/month	Rewards: $1,632 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,632 Year one: $1,832	Rewards: $720 Credits (our usable estimate): $0 Annual fee $99 ($400 initial limit (first year)) or $125 ($500 initial limit (first year)) or $175 ($700 or $1,000 initial limit (first year)), set at approval; net est. $621 ($400 initial limit (first year)) or $595 ($500 initial limit (first year)) or $545 ($700 or $1,000 initial limit (first year)) Ongoing: — Year one: —	—	—

Which Card Is Right for You?

Get the Citi Double Cash Card if you:

+Prefer a high flat rate across all spending

Get the Imagine Visa Credit Card if you:

+Do most of your spending at grocery stores

The Bottom Line

Everyday (non-bonus) spend earns 2X on the Citi Double Cash Card vs 1X on the other card.

Frequently Asked Questions

Which card earns more rewards, the Citi Double Cash Card or Imagine Visa Credit Card?: The Citi Double Cash Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
Should I get the Citi Double Cash Card or the Imagine Visa Credit Card?: Choose based on which bonus categories and benefits match your spending — check the earn rate comparison above.

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Official issuer pages: Citi cards · WebBank cards

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.