Citi Rewards+® Card
vs. Citi Simplicity® Card

If you're looking for a Citibank credit card with no annual fee and a 0% introductory APR offer, you may be considering the Citi Rewards+ Card and the Citi Simplicity Card. The Citi Rewards+ Card is better for earning rewards, with 2x hankYou Points per $1 spent on supermarkets and gas and then one point per dollar. In contrast, the Citi Simplicity Card is ideal for those seeking a longer balance transfer offer with 0% APR for 21 months on balance transfers and no penalty APR.

You might prefer the Citi Rewards+® Card if: You're interested in earning points on your everyday purchases. With a special offer of 5 ThankYou® Points per $1 spent on travel through Citi and 2X points at supermarkets and gas stations for the first $6,000 per year, this card is tailored for those who want to maximize their rewards. It also provides a 0% introductory APR for 15 months on both purchases and balance transfers, making it a solid choice for new purchases or managing existing debt while earning rewards.

You might prefer the Citi Simplicity® Card if: Your primary goal is debt management. This card stands out with its industry-leading 0% introductory APR for 21 months on balance transfers and 12 months on purchases, which can provide substantial savings on interest charges when transferring balances from other high-APR cards. While it doesn't offer a rewards program, it compensates with no late fees and a straightforward approach to credit, making it a strong contender for those seeking simplicity and an extended period to pay off balances without accruing interest.

The Citi Rewards+® Card, with a MoneyGeek balance transfer card rating of 3.4, caters to travelers and reward-seekers. This card offers a 0% introductory APR for 15 months on both purchases and balance transfers, making it a solid choice for those looking to make a large purchase or transfer balances from other high-interest cards. With no annual fee, it's cost-effective for the budget-conscious.

Cardholders can earn 5X ThankYou® Points on travel purchases through Citi and receive 10% points back on the first 100,000 ThankYou Points they redeem each year. These features make the Citi Rewards+® Card particularly good for those who frequently travel and want to earn rewards on their spending.

The Citi Simplicity Card is a standout for those seeking a reprieve from balance transfer fees and penalties. With a MoneyGeek balance transfer score of 4.6 out of 5, it's a top contender among balance transfer cards. This card is tailored for individuals who prioritize simplicity and predictability in their financial tools. No late fees, penalty rates, or annual fees make it a straightforward choice for managing credit without the worry of unexpected charges.

The card's hallmark feature is its generous 0% intro APR for 21 months on balance transfers, one of the longest offers available, making it ideal for those looking to consolidate and pay down existing debt without accruing interest. Additionally, the Citi Simplicity Card requires a credit score ranging from 670 to 850, accommodating a broad spectrum of consumers with good to excellent credit.

Our breakdown will help you compare APRs, fees, required credit, rewards and other features of the Citi Rewards+® Card and Citi Simplicity® Card. By examining these aspects side by side, you can identify which card aligns with your spending habits and financial goals.