The Citi Simplicity card is a no-frills, no annual fee card that can be utilized for balance transfers and ultimately paying off debt. The card does not offer a rewards program, so consumers looking for ways to rack up points or miles should look elsewhere. A major downside of this card is its balance transfer fee of Either $5 or 5% of the amount of each transfer, whichever is greater. Other competitor cards, such as the Discover It Balance Transfer card, offer lower balance transfer rates and more rewards.
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CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
On Citibank's Secure Website
Advertiser Disclosure
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Review
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Our Verdict
Highlights
- Designed for businesses
- Limited Time Offer: Earn 70,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
- First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
- 25% savings on American Airlines inflight Wi-Fi when you use your card
- Enjoy preferred boarding on American Airlines flights
- Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
- Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
- Earn 1 AAdvantage® mile per $1 spent on other purchases
- No Foreign Transaction Fees
More Highlights
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
On Citibank's Secure Website
Regular APR
15.99% - 24.99% (Variable) APR on purchases
Annual Fee
$99, waived for first 12 months
Welcome Bonus
Earn 70,000 American Airlines AAdvantage® bonus miles
Credit Score
Good/Excellent
Table of Contents
Introduction
At a Glance
- No late fee
- No annual fee
- 21 month introductory 0% APR for balance transfers, after which the regular purchase APR, based on your creditworthiness, will apply
- 12 month introductory 0% APR for purchases, after which the regular purchase APR, based on your creditworthiness, will apply
- No rewards or cashback system
Compare with other cards
Marriott Bonvoy Boundless™ Credit Card
Best For
Best for travel and dining
Regular APR
17.99% - 24.99% Variable
Annual Fee
$95
Welcome Bonus
Earn 75,000 Bonus Points
Credit Score
Excellent/Good
Earn 75,000 Bonus Points after spending $3,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless™ Credit Card!
The Blue Business® Plus Credit Card from American Express
The World Of Hyatt Credit Card
Partner Offer
Best For
Best for Travel and Dining
Best For
Best for travel and dining
Regular APR
13.24% - 19.24% Variable
Regular APR
15.99% - 22.99% Variable
Annual Fee
No annual fee
Annual Fee
$95
Welcome Bonus
N/A
Welcome Bonus
N/A
Credit Score
Excellent, Good
Credit Score
Excellent/Good
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
N/A
Earn up to 50,000 Bonus Points - 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening.
Forbes adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
First Published: Apr 13, 2020, 8:25am
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Earn 70,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening