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Citi Simplicity® Card vs. Citi® Double Cash Card

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

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

These are two market-leading cards from Citi, a finder.com advertising partner. The Citi Simplicity® Card offers a top-notch 0% intro APR on balance transfers and purchases for 18 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

Rates & Fees

Citi® Double Cash Card

Citi® Double Cash Card

Rates & Fees

finder.com's rating
finder.com's 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 18 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 18 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 670 740
Card type
Card type Credit Credit
Learn more
Learn more

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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.

Citi® Double Cash Card

Citi® Double Cash Card

  • Earn cash back. Earn cash back twice on everything you buy — 1% when you make the purchase and 1% when you pay your balance. Similar cards let you earn 1.5% back. That's up to a $100 difference if you spend $20,000 a year with your card.
  • Intro APR on balance transfers. Enjoy 18 months of a 0% intro APR period for balance transfers. Compared to similar cards, this is one of the longest intro periods you can get. After that, a variable APR of 13.99% to 23.99% applies.
  • Citi Entertainment℠. Get special access when buying presale tickets or VIP packages for concerts, sports events, dining and more.

Compare credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Blue Cash Everyday® Card from American Express
$150 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Blue Cash Preferred® Card from American Express
$250 after spending $1,000 in the first 3 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$95
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $250. This heavy-hitter rewards card has uncontested value. Rates & fees
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Chase Freedom Unlimited®
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
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