Citi Rewards+® Card
vs. Citi Simplicity® Card

Both the Citi Rewards+® Card and the Citi Simplicity® Card offer no annual fee and enticing introductory APR periods, making them strong contenders if you’re looking to transfer balances or finance purchases. But the Citi Simplicity edges ahead for those prioritizing a longer balance transfer offer, with a 0% intro APR for 21 months compared to the Citi Rewards+'s 15 months.

On the other hand, the Citi Rewards+ brings additional value through its rewards program, rounding up points on every purchase and offering bonus points after meeting spending requirements. While the Citi Simplicity is unmatched in its balance transfer offer, the Citi Rewards+ should not be overlooked if you can benefit from earning rewards on their everyday spending.

You might prefer the Citi Rewards+ if you frequently spend on travel, groceries and gas, and value earning rewards on these purchases. With its unique feature of rounding up points and a generous introductory offer, it caters to those who want to maximize their points earning potential on everyday spending.

You might prefer the Citi Simplicity if you're looking for a long introductory APR period for balance transfers and a straightforward card experience. With no late fees or penalty rates, it's a strong choice if you prioritize simplicity and are perhaps looking to consolidate and pay down existing credit card debt.

Evaluating APRs, fees, credit requirements, rewards, and introductory offers will illuminate which card aligns with your financial needs. For instance, if you're planning a large purchase, Citi Rewards+ offers a 15-month 0% APR period, while Citi Simplicity extends a 21-month 0% APR on balance transfers, ideal for debt consolidation. Use this section to match card features with your spending habits and financial goals.

MoneyGeek evaluates credit cards like Citi Rewards+ and Citi Simplicity using a tailored scoring system for various use cases. In this comparison, both cards are assessed based on their performance in balance transfers, which is their highest-scoring use case. The evaluation considers factors such as the quality of balance transfer offers and the cost of carrying a balance, among others.

For a deeper understanding of our scoring process, you may explore our ranking methodology. This approach ensures that you can make an informed decision when choosing the card that best fits your financial needs.