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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?

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Fact checked

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.

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Citi Simplicity® Card

Citi Simplicity® Card

Rates & Fees

Discover it® Cash Back

Discover it® Cash Back

Rates & Fees

finder.com's rating
finder.com's 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

Summary of card features

Citi Simplicity® Card

Citi Simplicity® Card

  • Intro APR period on balance transfers. For transfers made within the first 4 months of your account opening, get a 0% intro APR period for 18 months. After that, your rate will be from 14.74% to 24.74% variable.
  • Intro APR period on purchases. You also get a 0% intro APR period on all purchases made within the first 18 months of card membership. A variable APR of 14.74% to 24.74% applies thereafter.
  • No penalty APR and no late fees. Don’t worry if you make a late payment — you won’t pay any fee for being late and you won’t accrue a penalty APR, which is known to be up to 32% with other cards.

Discover it® Cash Back

Discover it® Cash Back

  • No annual fee
  • Excellent rewards in rotating categories
  • Solid intro APR on purchases and balance transfers
  • Cashback Match on all rewards earned during the first card year

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