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Chase Freedom vs Citi Simplicity

Compare Rewards, Interest Rates, Fees, and Benefits

Chase Freedom is an excellent cash back credit card for cardholders who pay in full. How does it compare to Citi Simplicity, a Balance Transfer and Low Interest credit card? Read our comparison chart below.

 

Chase Freedom

Citi Simplicity® Card

 

Credit Card Interest Rates & Fees

Introductory APR for Purchases0% introductory APR for 15 months0%* introductory APR for 18 months*
Introductory APR for Balance Transfers0% introductory APR for 15 months0%* introductory APR for 18 months*
Purchase APR16.74% to 25.49% Variable based on your creditworthiness and other factors15.74% to 25.74%* (Variable) based on your creditworthiness and other factors
Balance Transfers APR16.74% to 25.49% Variable based on your creditworthiness and other factors15.74% to 25.74%* (Variable) based on your creditworthiness and other factors
Annual Fee$0 annual fee$0 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Cash BackIntroductory Bonus Cash Back: Earn a $150 bonus after spending $500 on purchases in your first 3 months from account opening. 
Cash Back RewardsCash Back Rewards: Unlimited 1% cash back on all other purchases. 
Bonus Cash BackBonus Cash Back: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Unlimited 1% cash back on all other purchases.
Bonus Categories for 2018:
January - March 2018: Gas stations, internet/cable/phone services and Chase Pay, Apple Pay, Android Pay, Samsung Pay
April - June 2018: PayPal, Chase Pay and Grocery stores
July - September 2018: Gas stations, Lyft, and Walgreens
 
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • Earn a $150 Bonus
  • 5% bonus rotating categories
  • Intro APR
  • No annual fee
Cons:
  • Foreign transaction fee
Pros:
  • Intro APR for 18 months on balance transfers and purchases
  • No late fees
  • No penalty interest rate
  • No annual fee
Cons:
  • No rewards
Bottom LineExcellent cash back credit card for cardholders who pay in full... Read full reviewExcellent card for people who carry a balance... Read full review
 Read Chase Freedom ReviewRead Citi Simplicity Review

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Disclaimer: The information for the Chase Freedom and Citi Simplicity® Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Chase Freedom: Pricing information including interest rates, benefits and fees was obtained on July 13, 2018 from published websites and is believed to be accurate, but not guaranteed.

Citi Simplicity: Pricing information including interest rates, rewards, benefits and fees was obtained on June 19, 2018 from published websites and is believed to be accurate, but not guaranteed.


Explore Chase Freedom In-Depth


Explore Citi Simplicity® Card In-Depth


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Compare Chase Freedom to:

Chase Freedom Unlimited

Chase Freedom Unlimited®

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% for 15 months
0% for 15 months
16.74% - 25.49% Variable
Annual Fee
$0
Chase Sapphire Preferred

Chase Sapphire Preferred® Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
17.74% - 24.74% Variable
Annual Fee
$0 Intro for the First Year, then $95
Capital One Quicksilver

Capital One® Quicksilver® Cash Rewards Credit Card

Introductory Bonus Cash BackCash Back RewardsNo Expiration on RewardsNo Limits on Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
14.74% - 24.74% (Variable)
Annual Fee
$0

Disclaimer: The information for the Capital One® Quicksilver® Cash Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


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About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.