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CardCurator — Rewards Intelligence
Card Comparison

Citi Simplicity vs Discover it Miles

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Citi Simplicity card art
Citi ThankYou Points
Citi Simplicity
Citi
More Info
Discover it Miles card art
Discover Miles
Discover it Miles
Discover
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
3%
None
Signup Bonus
None
See issuer
Top Earn Rates
1x base rate
  • All Purchases 1.5x
Reward Type
cashback
miles
Key Credits
None
None
Transfer Partners
  • AAdvantage
  • AAdvantage
  • Aeromexico Club Premier
  • Aeromexico Club Premier
  • Accor Live Limitless
  • +35 more
No transfer partners
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Common Questions: Citi Simplicity vs Discover it Miles

Is the Citi Simplicity or Discover it Miles 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 Miles offers $75 signup bonus. Discover it Miles has the larger bonus.

Which card is better for international travel?

Discover it Miles 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 Miles?

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 Miles is from Discover, so they're governed by separate bank policies.