Citi Citi / AAdvantage Business vs Double Cash
Both are Citi cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Double Cash 2.0% 2% base rate
- Citi / AAdvantage Business 1.5% 1x base rate
Gas
- Citi / AAdvantage Business 2.9% 2x
- Double Cash 2.0% 2% base rate
Phone & internet
- Citi / AAdvantage Business 2.9% 2x
- Double Cash 2.0% 2% base rate
Flights
- Citi / AAdvantage Business 2.9% 2x
- Double Cash 2.0% 2% base rate
Hotels · portal
- Double Cash · Citi Travel 5.0% 5%
Car rental
- Citi / AAdvantage Business 2.9% 2x
- Double Cash 2.0% 2% base rate
Car rental · portal
- Double Cash · Citi Travel 5.0% 5%
Attractions · portal
- Double Cash · Citi Travel 5.0% 5%
What the numbers are doing
Abroad the answer flips: Double Cash charges a 3% foreign transaction fee, so once that comes off the rate Citi / AAdvantage Business is the better card for everyday spend.
The table is earn rate only — annual fees are not netted out of it. These cards charge Citi / AAdvantage Business $99 and Double Cash $0 a year, so a thin lead in one category may not cover the difference.
Where they differ: Double Cash takes everything else; Citi / AAdvantage Business takes gas, phone & internet, flights and car rental.
| Category | Best card |
|---|---|
| Everything else | Double Cash2.0% |
| Gas | Citi / AAdvantage Business2.9% |
| Phone & internet | Citi / AAdvantage Business2.9% |
| Flights | Citi / AAdvantage Business2.9% |
| Hotels · portal | Double Cash · Citi Travel5.0% |
| Car rental | Citi / AAdvantage Business2.9% |
| Car rental · portal | Double Cash · Citi Travel5.0% |
| Attractions · portal | Double Cash · Citi Travel5.0% |
Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.
Every category, every card
Everything else
- Double Cash — 2.0%
- Citi / AAdvantage Business — 1.5%
Gas
- Citi / AAdvantage Business — 2.9%
- Double Cash — 2.0%
Phone & internet
- Citi / AAdvantage Business — 2.9%
- Double Cash — 2.0%
Flights
- Citi / AAdvantage Business — 2.9%
- Double Cash — 2.0%
Hotels · portal
- Double Cash · Citi Travel — 5.0%
Car rental
- Citi / AAdvantage Business — 2.9%
- Double Cash — 2.0%
Car rental · portal
- Double Cash · Citi Travel — 5.0%
Attractions · portal
- Double Cash · Citi Travel — 5.0%
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