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Citi Simplicity vs Citi Thank You Preferred

Compare Rewards, Interest Rates, Fees, and Benefits

Citi Simplicity is an excellent card for people who carry a balance. How does it compare to Citi Thank You Preferred? Read our comparison chart below.

 

Citi Simplicity® Card

Citi ThankYou® Preferred Card

  
Point RewardsNo Expiration on RewardsDining RewardsCar Rental InsuranceTravel Accident Insurance
 

Credit Card Interest Rates & Fees

Introductory APR for Purchases0%* introductory APR for 18 months*0%* introductory APR for 15 months*
Introductory APR for Balance Transfers0%* introductory APR for 18 months*0%* introductory APR for 15 months*
Purchase APR15.24% to 25.24%* (Variable) based on your creditworthiness and other factors14.74% to 24.74%* (Variable) based on your creditworthiness and other factors
Balance Transfers APR15.24% to 25.24%* (Variable) based on your creditworthiness and other factors14.74% to 24.74%* (Variable) based on your creditworthiness and other factors
Annual Fee$0 annual fee$0 annual fee
 

Credit Card Rewards & Benefits

Point Rewards Point Rewards: Earn 1 ThankYou Point per dollar on other purchases
Dining Rewards Dining Rewards: 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • Intro APR for 18 months on balance transfers and purchases
  • No late fees
  • No penalty interest rate
  • No annual fee
Cons:
  • No rewards
Pros:
  • Intro APR
  • No annual fee
Cons:
  • 3% foreign transaction fee
Bottom LineExcellent card for people who carry a balance... Read full reviewGood rewards credit card for those who do not like annual fees... Read full review
 Read Citi Simplicity ReviewRead Citi Thank You Preferred 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: This content is not provided by Citi. 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 Citi.

Disclaimer: The information for the Citi Simplicity® Card and Citi ThankYou® Preferred 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 January 17, 2018 from published websites and is believed to be accurate, but not guaranteed.

Citi Thank You Preferred: Pricing information including interest rates, rewards, benefits and fees was obtained on December 19, 2017 from published websites and is believed to be accurate, but not guaranteed.


Explore Citi Simplicity® Card In-Depth


Explore Citi ThankYou® Preferred Card In-Depth


Which Do You Like and Why?

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Compare Citi Thank You Preferred to:

Chase Sapphire Preferred
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.24% - 24.24% Variable
$0 Intro for the First Year, then $95


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.