Card Comparison
Citi Simplicity vs Discover it Cash Back
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
No annual fee
No annual fee
Foreign Fees
3%
None
Signup Bonus
None
See issuer
Top Earn Rates
1x base rate
- Rotating Quarterly Categories 5x
- All Other Purchases 1x
Reward Type
cashback
cashback
Key Credits
None
None
Transfer Partners
- AAdvantage
- AAdvantage
- Aeromexico Club Premier
- Aeromexico Club Premier
- Accor Live Limitless
- +35 more
Cash back only
Common Questions: Citi Simplicity vs Discover it Cash Back
Is the Citi Simplicity or Discover it Cash Back better for dining?
Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.
Which has the higher signup bonus in 2026?
Citi Simplicity currently offers no current bonus. Discover it Cash Back offers $200 signup bonus. Discover it Cash Back has the larger bonus.
Which card is better for international travel?
Discover it Cash Back charges no foreign transaction fees — the better pick for international use. Citi Simplicity charges 3% on foreign purchases.
Can I hold both the Citi Simplicity and the Discover it Cash Back?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Citi Simplicity is from Citi and Discover it Cash Back is from Discover, so they're governed by separate bank policies.