The Citi® Double Cash Card vs The Barclaycard CashForward™ World MasterCard®

Brendan Harkness

Brendan Harkness | Versus

Mar 03, 2016 | Updated Sep 20, 2016

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This is a comparison of two similar cash back credit cards: the Citi Double Cash Card and the Barclaycard CashForward World MasterCard.

The Double Cash has become a pretty popular card, while the CashForward is a relative newcomer. They both offer a nice amount of cash back for every purchase you make, without having to worry about any reward categories. They’re pretty simple and straightforward, without annual fees or a lot of extra benefits.

These cards are alike in many ways, but there are a few important differences that set them apart. Read on to learn if one of them is right for your everyday spending.

Citi® Double Cash Card

For People with
Excellent Credit

  • Annual Fee: $0
  • Interest Rate: 13.24% - 23.24% *Variable
Quick Card Facts
  • The only card that earns you cash back twice on every purchase with: unlimited 1% cash back when you buy, plus an additional 1% cash back as you pay for those purchases*
  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
  • No Annual Fee
Barclaycard CashForward™ World MasterCard®
Apply Now

Barclaycard CashForward™ World MasterCard®

For People with
Excellent Credit

  • Annual Fee: $0
  • Interest Rate: 14.99%, 19.99% or 24.99% Variable
Quick Card Facts
  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into your bank account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that a variable APR will apply, 14.99%, 19.99% or 24.99%, based on your creditworthiness.
  • Please note, there is a fee for balance transfers
  • No annual fee

The Rewards

Citi Double Cash

  • 2% cash back for every purchase (1% at the time of purchase, and 1% when you pay it off)

Barclaycard CashForward

  • 1.5% cash back for every purchase
  • 5% cash rewards redemption bonus every time you redeem your cash back
  • $100 signup bonus for spending $500 in the first 90 days

The Verdict

These cards offer a very similar reward for every purchase you make: 2% for the Citi card, and 1.5% with a 5% bonus for the Barclaycard.

So which one is more rewarding? If you were to spend $1,000, how much cash back would you earn with each card?

The Double Cash would provide $20 cash back for spending $1,000.

The CashForward would provide $15.75 cash back for spending $1,000.

The Double Cash is more rewarding for regular spending. However, the CashForward also offers the $100 signup bonus, and the Double Cash has no bonus like that. $100 is a lot of money when you’re only earning a small percentage for every purchase, and it would take $5,000 spent with the Double Cash to earn that much.

So, the CashForward will be more rewarding in the short term, but the Double Cash card will be more rewarding in the long run after you’ve spent quite a bit of money with it.

The Benefits

Here are some of the more valuable benefits offered by each card.

Citi Double Cash


  • Personal Concierge Service

    A personal assistant for help in any non-emergency situations, such as making travel and business reservations or finding hard-to-find gifts. Call 1-800-950-5114 to reach your concierge.

  • Citi® Private Pass®

    Receive invitations to exclusive experiences and VIP events, including pre-sale and preferred tickets to concerts, sports, and shows

  • Citi Price Rewind

    The Price Rewind service will search the net for cheaper prices on items you buy for 60 days, and you can be reimbursed up to $300 per item.

  • Quick Customer Service

    Just say ‘representative’ when you call customer service to be directly connected to a real human.

  • Free FICO® Credit Score

    Select cardholders can access their credit score online at any time.

Barclaycard CashForward


  • Free FICO® Credit Score

    Keep track of your credit score easily, and get alerts if it changes.

The Verdict

The Citi Double Cash obviously has the more interesting lineup here.

The Personal Concierge Service is a benefit that you generally only find on higher-end cards, so it’s a great feature for the Double Cash. You’ll also be able to price hunt more easily with the Price Rewind service, potentially saving you quite a bit of money.

The Double Cash card may or may not provide you with the free FICO credit score. Personally, I have the card and I do have access to my credit score.

The Double Cash also offers some shopping and travel benefits and protections, while the CashForward doesn’t.

You can check out the full set of benefits for the Citi Double Cash here or the Barclaycard CashForward World MasterCard here.

Here’s a side-by-side comparison of the benefits offered by each card:

Citi Double Cash Barclaycard Cash Forward World MasterCard


  • Personal Concierge Service
  • Citi Private Pass
  • Citi Price Rewind
  • Quick Customer Service
  • Free FICO Credit Score
  • Free FICO Credit Score


  • Fraud Protection
  • Zero Liability Protection


  • Purchase Protection
  • Price Protection
  • Extended Warranty Protection


  • Travel Accident Insurance
  • Trip Cancellation / Trip Interruption Insurance
  • Trip Delay Reimbursement
  • Auto Rental Collision Damage Waiver
  • Lost Wallet® Service

The Costs & Fees

Card Annual Fee Intro APR for Purchases Intro APR for Balance Transfers Regular Purchase APR Regular Balance Transfer APR Cash Advance APR
Double Cash $0 N/A for N/A  0% for 18 months 13.24% - 23.24% *Variable  13.24% - 23.24% *Variable 25.49% *Variable
CashForward $0 N/A for N/A 0% for 15 months (on balance transfers made within 45 days of account opening) 14.99%, 19.99% or 24.99% Variable  See Terms See Terms
Card Balance Transfer Fee Cash Advance Fee Foreign Transaction Fee
Double Cash 3%; Min:$5 5%; Min:$10 3%
CashForward  See Terms See Terms See Terms
Card Penalty APR Late Fee Returned Payment Fee
Double Cash Up to 29.99% *Variable None for the first late payment; up to $35 after that Up to $35
CashForward See Terms Up to $37 Up to $38

The Verdict

The costs and fees for these cards are pretty similar. Neither one has an annual fee, and their APR ranges are about the same.

The intro APR period for the Double Cash is a bit longer than the CashForward’s, but you’ll also pay a foreign transaction fee with the Double Cash. So take those considerations in mind if you’re thinking about one of these cards.

The Bottom Line

The Citi Double Cash Card and the Barclaycard CashForward World MasterCard are both valuable cash back credit cards for everyday spending, but you’d only want to own one at a time.

Since the interest rates and fees are about the same, take a look at the rewards and benefits when making your choice. The features of both cards are pretty straightforward.

Would you rather earn a lot of cash back in the beginning? If you don’t really care about the extra benefits, the CashForward would probably be the card for you.

Or, if you’d like to earn more cash back over time, and use the perks like the concierge service, the Double Cash card is probably the right one.

If you use one of these credit cards, how do you like it? Leave your own review of the Citi Double Cash Card or the Barclaycard CashForward World MasterCard, we’d love to hear from you!

Or learn more about Reward Credit Cards and see our picks for the best cards!
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