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Chase Sapphire Preferred® Card vs Citi Simplicity

Compare Rewards, Interest Rates, Fees, and Benefits

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Chase Sapphire Preferred is a high-earning rewards card for those with excellent credit. How does it compare to Citi Simplicity, a Balance Transfer and Low Interest credit card? Read our comparison chart below.

Keep in mind, the Chase Sapphire Preferred has a $0 Intro Annual Fee for the First Year, then $95, while the Citi Simplicity has a $0 annual fee.

 Apply NowRead Citi Simplicity Review
 

Chase Sapphire Preferred® Card

Citi Simplicity® Card

 

Credit Card Interest Rates & Fees

Introductory APR for PurchasesN/A0%* introductory APR for 12 months*
Introductory APR for Balance TransfersN/A0%* introductory APR for 21 months*
Purchase APR17.74% to 24.74% Variable based on your creditworthiness and other factors15.99% to 25.99%* (Variable) based on your creditworthiness and other factors
Balance Transfers APR17.74% to 24.74% Variable based on your creditworthiness and other factors15.99% to 25.99%* (Variable) based on your creditworthiness and other factors
Foreign Transaction Fee$03% of each purchase transaction in US dollars.
Annual Fee$0 Intro Annual Fee for the First Year, then $95$0 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Reward PointsIntroductory Bonus Reward Points: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards® 
Travel RewardsTravel Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide.
1:1 point transfer to leading airline and hotel loyalty programs
 
Airline RewardsAirline Rewards: 1:1 point transfer to leading airline and hotel loyalty programs 
Hotel RewardsHotel Rewards: 1:1 point transfer to leading airline and hotel loyalty programs 
Point RewardsPoint Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide 
Dining RewardsDining Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide 
Airline Transfer PartnersAirline Transfer Partners: Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, and Aer Lingus. 
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • Generous bonus points
  • Flexible travel rewards
  • Travel, purchase and security protection
  • $0 Foreign Transaction Fee
Cons:
  • $0 Intro Annual Fee for the First Year, then $95
  • No intro APR
Pros:
  • Intro APR
  • No late fees
  • No penalty interest rate
  • No annual fee
Cons:
  • No rewards
Bottom LineHigh-earning rewards card for those with excellent credit... Read full reviewExcellent card for people who carry a balance... Read full review
 Apply NowRead Citi Simplicity Review

See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

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 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.

Citi Simplicity: Pricing information including interest rates, rewards, benefits and fees was obtained on October 16, 2018 from published websites and is believed to be accurate, but not guaranteed.


Explore Chase Sapphire Preferred® Card In-Depth


Explore Citi Simplicity® Card In-Depth


Which Do You Like and Why?

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Compare Chase Sapphire Preferred to:

Capital One Venture

Capital One® Venture® Rewards Credit Card

Introductory Bonus Airline RewardsTravel RewardsAirline RewardsNo Expiration on Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
14.74% - 24.74% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Chase Sapphire Reserve

Chase Sapphire Reserve®

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
17.74% - 24.74% Variable
Annual Fee
$450
American Express Gold Card

American Express® Gold Card

Introductory Bonus Reward PointsAirline RewardsPoint RewardsGrocery Rewards
Annual Fee
$250

Disclaimer: The information for the Capital One® Venture® 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 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.