Citi Simplicity Credit Card vs. Discover it Cash Back Match

Estimated read time: 2 minutes

If you're planning on making some hefty purchases in the next few months, or you have a large credit card balance you would like to transfer, the Citi Simplicity and Discover it Cash Back cards are designed to save you money. In what follows, we will examine these two cards with intro APRs that make transferring a balance or a large purchase seem more appealing. If you’ve been putting it off, stop today when you sign up for one of these two cards.

Discover it Cash Back

The Discover it Cash Back card is one of the best cash back rewards cards you can get. Rotating categories earn you the more points each quarter and include things like Amazon spending and groceries. That’s not all though, you still have the chance to earn a small reward on every dollar spent, even outside of the categories assigned for the quarter. While those are the main perks, Discover it offers Cash Back Match, which occurs when they match all of your points on your first card anniversary.

Citi Simplicity

The Citi Simplicity really shines as a card for balance transfers and large purchases because of the long intro APR period. It’s among the most generous in the credit card marketplace. Citi also makes a great choice for people who struggle to be responsible with credit because of the lack of penalty APR and late fees. Citi Simplicity isn’t a rewards card, however, so while the long intro APR period may seem rewarding enough—Discover has Citi Simplicity beat on rewards.

The Winner

The Discover it Cash Back earns you rewards, so it competes in a space where Citi Simplicity just doesn’t. If you are not traveling too often and extra cash is always a welcome reward, Discover's Cashback Match is one of the best cash back rewards you can get. In addition to earning bonus cashback rewards in rotating categories, you'll also earn a flat cash back on all other purchases. Plus all cash back earned during your first year of having this credit card is doubled. Sign me up!