Citi Simplicity® Card
No rewards
Citi Simplicity® Card
Citi - Mastercard - Credit card
3.9
3.9 out of 5
7.8/10
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Head-to-head
Citi Simplicity® Card vs SoFi Debit Card (Checking Account)
Compare Citi Simplicity® Card and SoFi Debit Card (Checking Account) side by side: fees, rewards, APR, and perks.
Last verified
SoFi Debit Card (Checking Account)
No rewards
SoFi Debit Card (Checking Account)
SoFi - Mastercard - Debit card
4.4
4.4 out of 5
8.8/10
Apply now
Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Citi Simplicity® Card | SoFi Debit Card (Checking Account) |
|---|---|---|
| Card fee | No fee | No fee |
| Purchase APR (from) | 17.49% | - |
| Interest-free period | - | - |
| Foreign transaction fee | 3% | 0% |
| Rewards | - | No rewards on debit card purchases. Savings balances earn up to 4.50% APY (with direct deposit); checking balances earn 0.50% APY. |
| Installments | Citi Flex Pay available | - |
| No card fee | ||
| No foreign transaction fee | - | |
| Welcome bonus | - | - |
| Airport lounge access | - | - |
| Travel insurance | - | - |
| Apple Pay / Google Pay |
Which is right for you
Pick by how you spend
- Choose the Citi Simplicity® Card if its checked rows above line up with how you spend most.
- Choose the SoFi Debit Card (Checking Account) if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
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