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PenFed Power Cash Rewards vs Citi Double Cash

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: Citi Double Cash leads by None pts. Scores: PenFed Power Cash Rewards 62.4%, Citi Double Cash 70.3%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): PenFed Power Cash Rewards nets $346/yr, Citi Double Cash nets $461/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeRewards: 10.0 · Cash: 10.0
• Rewards rateRewards: 6.0 · Cash: 9.5
• Sign-up bonusRewards: n/a · Cash: 2.7
• Intro 0% APRRewards: 0.0 · Cash: 8.6
• Regular APRRewards: 10 · Cash: 7.4
• Foreign transaction feeRewards: 10.0 · Cash: 3.0
• Regulatory record (CFPB)Rewards: n/a · Cash: 8.0

Downsides

• PenFed Power Cash Rewards62.4%
  PenFed · cash back · limited data
  Annual fee $0 (CFPB TCCP; issuer page did not render a clear fee)APR 17.99% variableRewards 1.5% baseCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ Penalty APR up to 17.99% · 1.5% on all purchases; 2% for PenFed Honors Advantage members (not modeled). Per PenFed's card pages.

• Citi Double Cash70.3%
  Citi · cash back
  Annual fee $0APR 18.49%–28.74% variableRewards 2% on purchases (1% when you buy + 1% as you pay); 5% total on Citi Travel hotels, cars, attractionsCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ 3% foreign transaction fee · APR up to 28.74% if you carry a balance · Penalty APR up to 29.99%

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, PenFed Power Cash Rewards or Citi Double Cash?

On VaultRubric's rubric: Citi Double Cash scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.