Difference Between Chase Freedom Unlimited And Citi Simplicity

1. If you are only interested in very long 0% intro apr balance transfer period with no late fee, citi simplicity is best.

If you are interested in rewards and sign up bonus with 0% intro apr on purchase and balance transfer, chase freedom unlimited is good choice.

2. Pros:

Chase Freedom Unlimited

Citi Simplicity

No annual fee

No annual fee

No Minimum redemption

No late fee

Flat reward rate

Super long intro apr on balance transfer

0% intro apr for purchase and balance transfer

No Panelty apr for late payment.

Sign Up bonus

You can choose your due date.


3. Cons:

Chase Freedom Unlimited

Citi Simplicity

No highest flat rate card

No rewards

No Bonus categories

No sign up bonus

Intro apr on balance transfer for 15 months compared to 21 months with citi simplicity.

Intro apr on purchases for 12 months compared to 15 months on chase freedom unlimited.

3% foreign transaction fee

3% foreign transaction fee


High balance transfer fee




Chase Freedom Unlimited

Citi Simplicity

Reward Rate:

1.5% cash back on all purchases


Annual Fee:



Sign Up Bonus:

Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.


Intro Apr on purchase:

0% on Purchases for 15 months

0% on Purchases for 12 months

Intro apr on balance transfer:

0% on Balance Transfers for 15 months

0% on Balance Transfers for 21 months

Regular Apr:

16.49-25.24% (variable)

16.24% – 26.24% Variable APR

Balance Transfer Fee:

For first 60 days 3% Minimum $5

After 60 days 5% Min $5

5% Min $5

Credit Needed:

Good to Excellent 690- 850

Good to Excellent 700 – 850

Other Benefits:

Trip cancellation and interruption insurance 

Car rental insurance 

Purchase protection  

Extended warranty 

Damage and theft protection

You can choose your due date

No penalty APR for late payments.

No late fees.

Foreign Transaction Fee:



Maximum Late Fee:

Up to $39.


Maximum Panelty Apr:



Cash Advance Fee:

5% Min $10

5% Min $10

Cash Advance Apr:


16.24% to 26.24% V

Click Here To Read Chase Freedom Unlimited Review.

Citi Simplicity Card Review With Pro And Cons

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