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Citi Simplicity® Card
&
Discover® Student Card
Side-by-Side Comparison


Here is the detailed comparison.

Citi Simplicity® Card and Discover® Student Card

Citi Simplicity® Card Offer Citi Simplicity® Card  Official
Card
Name
Discover® Student Card  Discover® Student Card Offer
CitiBank Logo CitiBank 
 
Issuer
Discover  Discover Logo
 
MasterCard  Brand Discover 
$0.00*  Annual Fee $0.00* 
0.00*  Introductory
Rate
0.00* 
18 Mo. on purchases*  Length of
Intro Period
9 Mo. on purchases* 
12.99-21.99% (Variable)*  Go To Rate
(After Intro)
12.99-18.99% (Variable)* 
Yes  Balance Transfer
Available
No 
Excellent  Credit Level
Required
Good 
0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.  Bullet Points:
1
0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%* 
Peace of mind through direct access to a service representative, no late fees and no penalty rate  2 5% Cashback Bonus®* in categories that change like gas, groceries, restaurants, department stores and more. Limitations apply* 
No annual fee  3 Up to 1% unlimited Cashback Bonus on everything else you buy 
  4 $0 Fraud Liability- you will not be responsible for unauthorized charges 
  5 No Annual Fee 
     



 


     


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