Citi Simplicity® Card
vs. Capital One VentureOne Rewards Credit Card

If you're looking for a credit card with a $0 annual fee and introductory APR offers, you may be considering the Citi Simplicity® Card and the Capital One VentureOne Rewards Credit Card. The Citi Simplicity® Card is ideal for those seeking the longest possible break from interest on balance transfers, with a 0% intro APR for 21 months, and no late fees.

In contrast, the Capital One VentureOne Rewards Credit Card is a no annual fee travel card, allowing you to 1.25 miles per dollar and five miles per dollar on hotels and rental cars booked through Capital One Travel, and a sign-up bonus of 20,000 miles after spending $500 in the first three months.

You might prefer the Citi Simplicity® Card if: You're seeking a credit card that offers a lengthy introductory APR period on balance transfers. With a 21-month 0% intro APR on balance transfers, this card stands out for those looking to consolidate and pay off existing credit card debt without accruing interest. Additionally, the absence of late fees and penalty rates can provide peace of mind if you're occasionally late with a payment. The Citi Simplicity® Card is particularly well-suited for those who prioritize savings on interest and fees over earning rewards on their spending.

You might prefer the Capital One VentureOne Rewards Credit Card if: earning rewards on your purchases is a priority. This card offers 5 Miles per dollar on hotels and rental cars booked through Capital One Travel, making it an attractive option for frequent travelers. The welcome offer of 20,000 Miles can also jump-start your travel rewards. While it has a shorter 0% intro APR period on balance transfers and purchases compared to the Citi Simplicity® Card, it compensates with its unlimited earning potential and travel benefits. If you want to earn rewards and enjoy travel perks without paying an annual fee, the Capital One VentureOne Rewards Credit Card could be the better choice.

The Citi Simplicity® Card is a standout option for those looking to manage existing credit card debt with a balance transfer. MoneyGeek's rating for this card is a solid 4.6 out of 5 for balance transfers, reflecting its exceptional offer of a 21-month 0% intro APR on balance transfers.

With no late fees, no penalty rate and an annual fee of $0, it's designed for simplicity and savings on interest charges. However, it's important to note that this card does not offer rewards or cash back, making it less suitable for those seeking to earn points or miles on their purchases.

The Capital One VentureOne Rewards Credit Card, with a MoneyGeek balance transfer score of 3.6 out of 5, is a versatile card for those who avoid fees and enjoy travel rewards. This card ranks highly for its $0 annual fee and absence of foreign transaction fees, making it an attractive option for international travelers. The card's rewards program offers unlimited earning potential, with five miles per dollar on hotels and rental cars booked through Capital One Travel and a welcome bonus of 20,000 miles.

For new purchases and balance transfers, cardholders can benefit from a 0% APR for the first 15 months, although a balance transfer fee of 3% applies during this period. This card is well-suited for individuals with a credit score between 670 and 850, who are looking for a cost-effective way to earn travel rewards without worrying about annual fees.

Our breakdown will help compare APRs, fees, required credit, rewards, introductory offers and other features. This section is designed to guide you through each card's specifics. By examining these details side by side, you can identify which card aligns with your financial habits, whether you prioritize long-term savings on interest or earning rewards on every purchase.