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Citi Simplicity® Card vs Discover it® Cash Back

Do you need a great balance transfer card or a great cashback card?

The biggest difference between the Discover it® Cash Back and the Citi Simplicity® Card is the Discover it® Cash Back earns 5% back on rotating categories on up to $1,500 each quarter, and 1% back after that and on everything else. The Citi Simplicity® Card isn’t a rewards card and thus doesn’t earn rewards on purchases.

The Discover it® Cash Back will also match all cash back you earn at the end of your first year as part of its signup bonus. The Citi Simplicity® Card on the other hand boasts a long intro APR on balance transfers of 18 months compared to the Discover it® Cash Back‘s 14 months.

Please note: Citi is an advertising partner of finder.com

Citi Simplicity® Card

Citi Simplicity® Card

Terms apply, see rates & fees

Discover it® Cash Back

Discover it® Cash Back

Terms apply, see rates & fees

Finder rating
Finder rating

★★★★★

4.4 / 5.0

★★★★★

4.8 / 5.0
Best for
Best for
  • Long intro APR periods and few fees
  • Rotating cash back categories with no annual fee
Welcome offer
Welcome offer

N/A

Discover will match cash back earned at the end of your first card year

Rewards
Rewards

N/A

5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases

Purchase APR
Purchase APR

0% intro APR for 18 months, and then 14.74% to 24.74% variable

0% intro APR for 14 months, and then 11.99% to 22.99% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR

0% intro APR for 18 months, then 14.74% to 24.74% variable

0% intro APR for 14 months, then 11.99% to 22.99% variable

Cash advance
Cash advance

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 24.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee 3% of each transaction None
Late payment fee
Late payment fee $0 Up to $40
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 23 days 25 days
Minimum interest
Minimum interest $0.50 $0.50
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
Learn more

Compare Citi Simplicity® Card vs. Discover it® Cash Back

Name Product Welcome offer Rewards Annual fee Filter values
Citi Simplicity® Card
N/A
N/A
$0
With an intro APR of 18 months, this card has one of the longest balance transfer offers on the market. Plus, no late fees and no annual fee. All information about this card has been collected independently by Finder.
Discover it® Cash Back
Discover will match cash back earned at the end of your first card year
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
$0
Earn 5% back on up to $1,500 in combined purchases in bonus categories every quarter you activate, then 1% thereafter. Earn 1% back on all other purchases.
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