Citi rewards vs citi simplicity

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At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity , this post may contain references to products from our partners. Here's an explanation for how we make money. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you.

Citi rewards vs citi simplicity

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money. If you're looking to transfer a credit card balance, you may have considered one of two Citi cards with nearly identical features:. It offers a lower balance transfer fee, not to mention late-payment forgiveness. That makes the card a worthy contender for someone who needs a lot of time to pay off a large debt. Check your card's terms and conditions for details. This card's other standout feature is its lack of late fees or a penalty APR, which is fairly uncommon and could be helpful for the occasionally forgetful. Keep in mind, however, that late payments can still affect your credit scores. There is no rewards program, so there's little incentive to use the card after you've paid off the transferred balance.

The Citi Simplicity and Citi Diamond Preferred cards are primarily balance transfer credit cardsso the highlights are not rewards or welcome offers.

Some Citi cards earn rewards in the form of ThankYou points , and many Citi cards offer access to Citi Entertainment deals. Objective comprehensive ratings rubrics Methodology. NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity. Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you. And unlike with its competitors, there's no activation schedule or bonus calendar to keep track of.

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money. If you're looking to transfer a credit card balance, you may have considered one of two Citi cards with nearly identical features:. It offers a lower balance transfer fee, not to mention late-payment forgiveness.

Citi rewards vs citi simplicity

Even a one-dollar pack of gum will earn 10 points, which is an impressive return for a card with no annual fee. Most cardholders will get the highest value from their points by redeeming them for gift cards at a rate of 1 cent per point. If so, you can transfer them to the ThankYou Rewards program's airline and hotel partners. Let's take a closer look at this card so you can decide whether it could be a valuable addition to your wallet. The card details on this page have not been reviewed or provided by the card issuer.

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Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. Our experts have been helping you master your money for over four decades. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. Bankrate logo How we make money. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. Our pick for Outsize rewards on small purchases. However, this does not influence our evaluations. Credit Cards. Here is a list of our partners and here's how we make money. For most Citi cards, your credit limit will depend on your credit profile, including your credit score and payment history, as well as financial factors like your income and current obligations. Brooklyn Lowery is a Senior Editor on the Bankrate credit cards education team where she focuses on helping everyday consumers leverage credit cards as powerful tools in their personal finance toolbox. The Citi Simplicity and Citi Diamond Preferred are similar, but their differences may be enough to push one card in your favor. This is a key perk for cardholders looking to manage debt with a balance transfer card without worrying about an added yearly fee. Credit card.

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Not much differentiates these two cards except their ongoing variable APRs, recommended credit score for qualification and attached card benefits. Credit Cards. How do I check my Citi credit card application status? But the balance transfer fee is pricey. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to: Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. Ribbon Expertise. For more information on points sharing, refer to this FAQ from Citi. Holly D. It offers a lower balance transfer fee, not to mention late-payment forgiveness. The card details have not been reviewed or approved by the card issuer. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to: Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. Sarah Gage. Bankrate logo Editorial integrity. How the cards compare. Co-written by Holly D.