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Citi Simplicity® Card vs. Citi® Double Cash Card

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

The winner: Citi® Double Cash Card

Citi® Double Cash Card logo

Up to 2%

Cash back

  • An excellent choice for cash back and balance transfers
  • Market-leading 2% back (1% after buying, 1% after paying)
  • No annual fee
Apply now
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Megan Horner
Updated
Fact checked
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

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 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 670 670
Card type
Card type Credit Credit
Learn more
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Compare Citi Simplicity® Card vs. Citi® Double Cash Card

Data updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
Citi Simplicity® Card
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.
Apply now
View details
Citi® Double Cash Card
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.
Apply now
View details
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