Which card earns more rewards, the AllModern Mastercard or Citi Double Cash 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 AllModern Mastercard or the Citi Double Cash Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the AllModern Mastercard or Citi Double Cash 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 AllModern Mastercard or the Citi Double Cash Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the AllModern Mastercard or Citi Double Cash 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 AllModern Mastercard or the Citi Double Cash Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

CardRewards

Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.

CardRewards

AllModern Mastercard vs Citi Double Cash Card

Both cards cost $0/yr. The AllModern Mastercard is better for allmodern, while the Citi Double Cash Card wins on travel. Here's how they compare.

AllModern Mastercard

Citi

Citi Double Cash Card

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

200 Cash

Earn Rates

Category	AllModern Mastercard	Citi Double Cash Card
Allmodern	7X	2X
Grocery Stores	3X	2X
Online Shopping	2X	2X
Everything Else	1X	2X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

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

Cons

—

−3% foreign transaction fee
−Must pay bill to earn second 1% cash back
−No travel insurance or purchase protection
−Relatively modest $200 welcome bonus
−No bonus categories for high spenders

Category-by-Category Winner

The AllModern Mastercard wins in 2 of 3 categories. The Citi Double Cash Card leads in 1.

Allmodern

AllModern Mastercard earns 7X vs 2X

Grocery Stores

AllModern Mastercard earns 3X vs 2X

Everyday purchases

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

Which Card Is Right for You?

Get the AllModern Mastercard if you:

+Do most of your spending at grocery stores

Get the Citi Double Cash Card if you:

+Prefer a high flat rate across all spending

The Bottom Line

For everyday spending, the Citi Double Cash Card earns more with its 2X base rate.

Frequently Asked Questions

Which card earns more rewards, the AllModern Mastercard or Citi Double Cash 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 AllModern Mastercard or the Citi Double Cash Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

AllModern Mastercard — Full Review All Citi Cards

Citi Double Cash Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

AllModern Mastercard vs Citi Double Cash Card

Both cards cost $0/yr. The AllModern Mastercard is better for allmodern, while the Citi Double Cash Card wins on travel. Here's how they compare.

AllModern Mastercard

Citi

Citi Double Cash Card

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

200 Cash

Earn Rates

Category	AllModern Mastercard	Citi Double Cash Card
Allmodern	7X	2X
Grocery Stores	3X	2X
Online Shopping	2X	2X
Everything Else	1X	2X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

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

Cons

—

−3% foreign transaction fee
−Must pay bill to earn second 1% cash back
−No travel insurance or purchase protection
−Relatively modest $200 welcome bonus
−No bonus categories for high spenders

Category-by-Category Winner

The AllModern Mastercard wins in 2 of 3 categories. The Citi Double Cash Card leads in 1.

Allmodern

AllModern Mastercard earns 7X vs 2X

Grocery Stores

AllModern Mastercard earns 3X vs 2X

Everyday purchases

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

Which Card Is Right for You?

Get the AllModern Mastercard if you:

+Do most of your spending at grocery stores

Get the Citi Double Cash Card if you:

+Prefer a high flat rate across all spending

The Bottom Line

For everyday spending, the Citi Double Cash Card earns more with its 2X base rate.

Frequently Asked Questions

Which card earns more rewards, the AllModern Mastercard or Citi Double Cash 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 AllModern Mastercard or the Citi Double Cash Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

AllModern Mastercard — Full Review All Citi Cards

Citi Double Cash Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards

AllModern Mastercard vs Citi Double Cash Card

Both cards cost $0/yr. The AllModern Mastercard is better for allmodern, while the Citi Double Cash Card wins on travel. Here's how they compare.

AllModern Mastercard

Citi

Citi Double Cash Card

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

200 Cash

Earn Rates

Category	AllModern Mastercard	Citi Double Cash Card
Allmodern	7X	2X
Grocery Stores	3X	2X
Online Shopping	2X	2X
Everything Else	1X	2X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

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

Cons

—

−3% foreign transaction fee
−Must pay bill to earn second 1% cash back
−No travel insurance or purchase protection
−Relatively modest $200 welcome bonus
−No bonus categories for high spenders

Category-by-Category Winner

The AllModern Mastercard wins in 2 of 3 categories. The Citi Double Cash Card leads in 1.

Allmodern

AllModern Mastercard earns 7X vs 2X

Grocery Stores

AllModern Mastercard earns 3X vs 2X

Everyday purchases

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

Which Card Is Right for You?

Get the AllModern Mastercard if you:

+Do most of your spending at grocery stores

Get the Citi Double Cash Card if you:

+Prefer a high flat rate across all spending

The Bottom Line

For everyday spending, the Citi Double Cash Card earns more with its 2X base rate.

Frequently Asked Questions

Which card earns more rewards, the AllModern Mastercard or Citi Double Cash 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 AllModern Mastercard or the Citi Double Cash Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

AllModern Mastercard — Full Review All Citi Cards

Citi Double Cash Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards