Discover it® Chrome
vs. Citi Simplicity® Card

If you're looking for a credit card with no annual fee and introductory APR offers, you may be considering the Discover it Chrome and the Citi Simplicity Card. The Discover it Chrome is better for those who want to earn rewards on their spending, with 2% cash back at gas stations and restaurants and a lower minimum APR of 17.24%.

In contrast, the Citi Simplicity Card is ideal for those seeking a longer balance transfer introductory period, offering 0% APR for 21 months on balance transfers. Choose Discover it Chrome for rewards and a lower APR, or Citi Simplicity for extended balance transfer savings.

You might prefer the Discover it® Chrome if: You're interested in earning rewards on your everyday spending. You can earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Additionally, the card offers a 0% intro APR for 15 months on both purchases and balance transfers, which can be quite beneficial if you plan to make new purchases or have existing debt to move over. The Discover it® Chrome also boasts a higher issuer satisfaction rating, suggesting that you might enjoy better customer service.

You might prefer the Citi Simplicity® Card if: Your primary goal is to manage existing debt. This card stands out with its lengthy 21-month 0% intro APR offer on balance transfers, which is one of the longest available, giving you ample time to pay down debt without accruing interest. It also provides a 12-month 0% intro APR on purchases, which can help with new expenses. While it doesn't offer a rewards program, it compensates with no late fees or penalty rates, making it a straightforward choice for those seeking simplicity and debt management tools.

Discover it® Chrome is rated 3.4 out of 5 by MoneyGeek for balance transfer cards. With no annual fee, this card is designed for those who frequently spend on gas and dining out. Cardholders earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter.

Additionally, Discover matches all the cash back earned at the end of the first year, which can be a nice bonus for new users. The card also offers an introductory 0% APR for 15 months on both purchases and balance transfers, making it a good choice for those looking to manage existing debt or finance new purchases without immediate interest charges.

The Citi Simplicity Card, rated by MoneyGeek with a balance transfer score of 4.6 out of 5, stands out for those seeking a lengthy 0% intro APR on balance transfers. The card's highlight is its industry-leading 21-month 0% intro APR on balance transfers. It can be a financial lifeline for those looking to consolidate and pay down existing credit card debt without accruing interest. Additionally, the absence of late fees and penalty rates adds to its appeal for consumers who value a forgiving card policy. The Citi Simplicity Card is a solid choice for those focused on debt management and fee avoidance.

Our breakdown will help compare APRs, fees, required credit, rewards, introductory offers and other features. Use this section to align card benefits with your financial habits.