CardRewardsEditorial 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.
Both cards cost $0/yr. The Birch Lane Mastercard is better for wayfair brands, while the Citi Double Cash Card wins on travel. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Birch Lane Mastercard | Citi Double Cash Card |
|---|---|---|
| Wayfair Brands | 7X | 2X |
| Grocery Stores | 3X | 2X |
| Online Shopping | 2X | 2X |
| Everything Else | 1X | 2X |
Network
Key Benefits
Pros
Cons
The Birch Lane Mastercard wins in 2 of 3 categories. The Citi Double Cash Card leads in 1.
Wayfair Brands
Birch Lane Mastercard earns 7X vs 2X
Grocery Stores
Birch Lane Mastercard earns 3X vs 2X
Everyday purchases
Citi Double Cash Card earns 2X on all other spending vs 1X
Get the Birch Lane Mastercard if you:
Get the Citi Double Cash Card if you:
For everyday spending, the Citi Double Cash Card earns more with its 2X base rate.
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.
Both cards cost $0/yr. The Birch Lane Mastercard is better for wayfair brands, while the Citi Double Cash Card wins on travel. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Birch Lane Mastercard | Citi Double Cash Card |
|---|---|---|
| Wayfair Brands | 7X | 2X |
| Grocery Stores | 3X | 2X |
| Online Shopping | 2X | 2X |
| Everything Else | 1X | 2X |
Network
Key Benefits
Pros
Cons
The Birch Lane Mastercard wins in 2 of 3 categories. The Citi Double Cash Card leads in 1.
Wayfair Brands
Birch Lane Mastercard earns 7X vs 2X
Grocery Stores
Birch Lane Mastercard earns 3X vs 2X
Everyday purchases
Citi Double Cash Card earns 2X on all other spending vs 1X
Get the Birch Lane Mastercard if you:
Get the Citi Double Cash Card if you:
For everyday spending, the Citi Double Cash Card earns more with its 2X base rate.
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.
Both cards cost $0/yr. The Birch Lane Mastercard is better for wayfair brands, while the Citi Double Cash Card wins on travel. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Birch Lane Mastercard | Citi Double Cash Card |
|---|---|---|
| Wayfair Brands | 7X | 2X |
| Grocery Stores | 3X | 2X |
| Online Shopping | 2X | 2X |
| Everything Else | 1X | 2X |
Network
Key Benefits
Pros
Cons
The Birch Lane Mastercard wins in 2 of 3 categories. The Citi Double Cash Card leads in 1.
Wayfair Brands
Birch Lane Mastercard earns 7X vs 2X
Grocery Stores
Birch Lane Mastercard earns 3X vs 2X
Everyday purchases
Citi Double Cash Card earns 2X on all other spending vs 1X
Get the Birch Lane Mastercard if you:
Get the Citi Double Cash Card if you:
For everyday spending, the Citi Double Cash Card earns more with its 2X base rate.
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.
