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BECU Cash Back Credit Card vs Citi Simplicity Card
Both are well-respected travel cards. The BECU Cash Back Credit Card comes from BECU at $0/yr; the Citi Simplicity Card from Citi at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | BECU Cash Back Credit Card | Citi Simplicity Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $200 cash back after $2,000 spend in 3 months | No welcome bonus; product is a 0% intro APR balance-transfer card with no late fees, no penalty APR, and no rewards program |
| Bonus value (est.) | $200 | - |
| Min spend to unlock bonus | $2,000 in 3 mo | - |
| Issuer | BECU | Citi |
| Card category | cashback | |
| Best earning category (All_purchases) | 1.5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
BECU Cash Back Credit Card
$0/yr · $200 cash back after $2,000 spend in 3 months
Read the full review
Citi Simplicity Card
$0/yr · No welcome bonus; product is a 0% intro APR balance-transfer card with no late fees, no penalty APR, and no rewards program
Editorial take: Citi Simplicity Card
Common questions
- Which card has the bigger sign-up bonus, BECU Cash Back Credit Card or Citi Simplicity Card?
- The BECU Cash Back Credit Card has a public bonus ($200 cash back after $2,000 spend in 3 months, worth roughly $200), while the Citi Simplicity Card doesn't advertise one right now.
- Is the BECU Cash Back Credit Card's $0 annual fee worth it compared to the Citi Simplicity Card?
- The BECU Cash Back Credit Card has no annual fee, so the question is whether the Citi Simplicity Card's $0 fee is justified by its perks. If you'll use enough of the Citi Simplicity Card's benefits to clear $0 in value annually, it's worth it; otherwise stick with the BECU Cash Back Credit Card.
- Can I have both the BECU Cash Back Credit Card and Citi Simplicity Card?
- Yes, since they're from different issuers (BECU and Citi) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the BECU Cash Back Credit Card or the Citi Simplicity Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Cash Back Credit Card: $2,000 spend in 3 months. Citi Simplicity Card: no published min spend. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.