Discover it® Miles
vs. Citi Simplicity® Card

Both the Discover it® Miles and Citi Simplicity® Card offer enticing introductory APR periods, making them strong contenders for anyone looking to transfer a balance. The Citi Simplicity edges ahead with its longer 21-month 0% introductory APR period for balance transfers, making it particularly suitable for those with existing debt.

However, the Discover it Miles shouldn't be overlooked, especially with its unique first-year miles match offer, which can add significant value for travelers. Neither card is co-branded and promises no annual fee, appealing to cost-conscious consumers.

You might prefer the Discover it Miles if you value earning rewards on every purchase. With 1.5X miles on every dollar and a bonus at the end of the first year, it's geared towards maximizing your spending benefits. Additionally, its slightly lower regular APR range can be advantageous in the long run, especially if you occasionally carry a balance.

You might prefer the Citi Simplicity if you're looking for a lengthy 0% introductory APR period on balance transfers to manage existing debt or have upcoming large purchases. With no late fees or penalty rates, it's also forgiving for the occasional slip-up. However, it lacks a rewards program, so it's less suitable for those looking to earn points or cash back on their spending.

Evaluating APRs, fees, credit requirements, rewards and other features clarifies which card aligns with your financial needs. For instance, if you plan to carry a balance, Citi Simplicity's longer 0% APR period on balance transfers might appeal to you, while Discover it Miles could be more attractive if you're looking for travel rewards.

MoneyGeek evaluates credit cards like Discover it Miles and Citi Simplicity based on their performance in various use cases. For this comparison, we focus on the scenario where each card excels, which is balance transfers.

Our ranking process considers factors such as the quality of balance transfer offers and the terms of introductory purchase APRs. These elements and other considerations, like issuer satisfaction and penalty fees, form the basis of our comprehensive scoring system. To better understand our process, you can explore our ranking methodology.