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Citi Simplicity® Card vs. Citi® Double Cash Card

Decide between a top-notch balance transfer intro APR and cash back.

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

These are two market-leading cards from Citi. The Citi Simplicity® Card offers a top-notch 0% intro APR on balance transfers and purchases for 21 months, then 14.74% to 24.74% variable. The Citi® Double Cash Card offers the same intro APR on transfers but no intro period on purchases. However, it pays 1% cash back on all purchases, then another 1% as you pay them off.

Citi Simplicity® Card

Citi Simplicity® Card

Terms apply, see rates & fees

Citi® Double Cash Card

Citi® Double Cash Card

Terms apply, see rates & fees

Finder rating
Finder rating

★★★★★

4.4 / 5.0

★★★★★

3.8 / 5.0
Best for
Best for
  • Long intro APR periods and few fees
  • Highest unlimited cash back
Welcome offer
Welcome offer

N/A

N/A

Rewards
Rewards

N/A

Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)

Purchase APR
Purchase APR

0% intro APR for 12 months, and then 14.74% to 24.74% variable

13.99% to 23.99% variable

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

0% intro APR for 21 months, then 14.74% to 24.74% variable

0% intro APR for 18 months, then 13.99% to 23.99% variable

Cash advance
Cash advance

APR: 25.24% variable

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

APR: 25.24% variable

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

Foreign transaction fee
Foreign transaction fee 3% of each transaction 3% of each transaction
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 23 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

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