Discover it® Miles
vs. Citi Simplicity® Card

If you're seeking a credit card with no annual fee and introductory APR offers, you may be considering the Discover it Miles and the Citi Simplicity Card. The Discover it Miles is better for earning rewards, with its 1.5X miles on all purchases and a unique first-year mile match bonus.

In contrast, the Citi Simplicity Card is ideal for those looking to make a balance transfer, offering a longer 0% APR period for this purpose and no penalty fees. Choose the Discover it Miles for everyday spending and rewards, or opt for the Citi Simplicity Card if your priority is managing existing debt.

You might prefer the Discover it® Miles if: You're looking to earn rewards on every purchase. With an effective reward rate of 1.5 miles per dollar spent, this card allows you to accumulate miles that can be used for travel or converted to cash back. Additionally, the Discover it® Miles card matches all the miles you've earned at the end of your first year, effectively doubling your rewards. If you have a good to excellent credit score and enjoy earning rewards without worrying about specific bonus categories, this card could be a great fit for your wallet.

You might prefer the Citi Simplicity® Card if: your primary goal is to pay down debt without accruing interest. The Citi Simplicity® Card shines with its lengthy 0% APR period for balance transfers — 21 months, one of the longest available. This feature makes it an excellent choice for those who need a substantial amount of time to pay off existing balances. While it doesn't offer rewards, it compensates with no late fees and a 0% introductory APR on purchases for 12 months, which can be beneficial if you have upcoming expenses that you plan to pay off over time.

The Discover it® Miles card, with a MoneyGeek balance transfer score of 3.5 out of 5, is tailored for individuals seeking a straightforward rewards program. Earn unlimited 1.5X miles on every purchase, making it an uncomplicated choice for everyday spending.

A standout feature is the introductory offer, providing a mile-for-mile match for all miles earned at the end of the first year for new cardholders, effectively doubling the rewards for the first year without a cap. The card boasts no annual fee and no foreign transaction fees, enhancing its appeal to international travelers. With a recommended credit range between 670 and 850, it's accessible to those with good to excellent credit.

The Citi Simplicity® Card, with a MoneyGeek balance transfer score of 4.6 out of 5, stands out for those seeking a reprieve from high-interest debt. It offers a lengthy 21-month 0% intro APR on balance transfers, which is among the longest available, making it a strong candidate for balance transfers. The card also boasts a 0% intro APR for 12 months on purchases, providing a window for planned expenses without interest.

With no annual fee and a recommended credit score between 670 and 850, the Citi Simplicity® Card is tailored for consumers with good to excellent credit who want to manage existing debt without accruing additional charges. Notably, this card does not offer rewards or cash back, positioning it as a tool for financial management rather than a vehicle for earning on spending.

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