Which Citi card is better, Citi Simplicity or Citi Double Cash?

Both the Citi Double Cash Card and Citi Simplicity® Card are great credit cards, however, they're great for different purposes.

The Citi Double Cash Card offers a cash back rewards program - 2% cash back on every purchase (1% when you buy and 1% as you pay for those purchases) - while the Citi Simplicity Card doesn’t offer a rewards program at all.

However, Citi Simplicity Card is one of the best 0% credit cards on the market. It offers an intro APR of 0% for 21 months on balance transfers and 0% for 12 months on new purchases, thus making it great for individuals who want an extended promotional APR period to save interest on big-ticket purchases or balance transfers. There is a balance transfer fee of 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer, and a regular APR of 18.49% - 29.24% (V).