Citi Simplicity® Card
vs. Citi Double Cash® Card

If you're looking for a Citibank card with no annual fee, you may be considering the Citi Simplicity Card and the Citi Double Cash Card. The Citi Double Cash Card is better for earning cash back on purchases, offering 2% on every purchase (1% when you buy plus 1% as you pay). In contrast, the Citi Simplicity Card is a strong choice for those seeking to avoid fees, with no late fees or penalty rates and a longer 0% APR offer on balance transfers. Your decision should align with whether you prioritize rewards or a longer debt repayment period.

You might prefer the Citi Double Cash Card if: you're looking to maximize your earnings from everyday spending. This card stands out with its 2% cash back on all purchases – 1% when you buy plus an extra 1% as you pay for those purchases. With a 5.0 rating for both the annual fee and effective reward rate, it's a strong contender for those with a credit score in the 580 to 740 range who want to see their spending work for them. However, be mindful of the penalty APR of up to 29.99% (variable) if you miss payments, as this could negate some of the cash back benefits.

You might prefer the Citi Simplicity Card if: your primary goal is to manage existing credit card debt through a balance transfer. The card's standout feature is its lengthy 21-month 0% intro APR on balance transfers, which is among the longest available, making it an attractive option for those with good to excellent credit (670 to 850). It also boasts a 5.0 rating for penalties, as there's no penalty APR and late fees are waived. While it doesn't offer rewards, its fee-friendly structure and intro purchase APR offer are beneficial.

The Citi Simplicity Card is highly regarded for its outstanding features, especially beneficial for those looking to consolidate and pay down debt. This card features a 21-month 0% intro APR on balance transfers, one of the longest periods available. With no annual fee and no late fees, it's a cost-effective choice for disciplined debt management. However, this card does not offer rewards or cash back, focusing instead on its balance transfer benefits. Recommended for individuals with a credit score ranging from 670 to 850 (good to excellent), the Citi Simplicity Card is tailored for consumers seeking a straightforward, fee-free card to reduce their interest payments over time.

The Citi Double Cash® Card is recognized for its strong performance in the balance transfer card category. With a $0 annual fee and an effective reward rate of 2% cash back on all purchases, this card stands out for its simplicity and value. Cardholders earn cash back twice: 1% when they buy and an additional 1% as they pay for those purchases. This straightforward rewards structure is ideal for those who prefer a no-fuss approach to earning cash back on their everyday spending.

The card also features a 0% introductory APR on balance transfers for 18 months, which can be a cost-effective option for those looking to manage existing credit card debt. However, it's important to be mindful of the penalty APR that can reach up to 29.99% (variable) if payments are missed. The Citi Double Cash Card is well-suited for individuals with a credit score ranging from 580 to 740, offering a practical solution for fair to good credit holders seeking to maximize their cash back earnings without worrying about an annual fee.

Our breakdown compares the Citi Simplicity Card and Citi Double Cash Card across key categories such as APRs, fees, required credit, rewards, introductory offers and other features. Each category can significantly impact your wallet, for instance, a lower APR can save you money on interest, while a robust rewards program can earn you cash back on every purchase. Use this section to pinpoint which card aligns with your financial habits and goals.