Citi Double Cash® Card vs Citi Simplicity® Card

Citi Double Cash® CardCiti Double Cash® Card

Citi

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Citi Simplicity® CardCiti Simplicity® Card

Citi

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Cash Back
No rewards
Point Value
1.00¢/pt
1.00¢/pt
Base Earn Rate
2x
0x
Welcome Bonus
$200 after $1,500 in 180 days
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Effective return by category

CategoryCiti Double Cash® CardCiti Simplicity® Card
Everything else2.00%
2x
0.00%
0x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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