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Side-by-side
Amazon Business Prime American Express Card vs Citi Simplicity Card
Both are well-respected travel cards. The Amazon Business Prime American Express Card comes from American Express 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 | Amazon Business Prime American Express Card | Citi Simplicity Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $125 Amazon.com Gift Card | 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.) | $125 | - |
| Min spend to unlock bonus | $0 in 0 mo | - |
| Issuer | American Express | Citi |
| Card category | business | |
| Best earning category (Amazon_business_amazon_aws_whole_foods_with_prime) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Amazon Business Prime American Express Card
$0/yr · $125 Amazon.com Gift Card
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, Amazon Business Prime American Express Card or Citi Simplicity Card?
- The Amazon Business Prime American Express Card has a public bonus ($125 Amazon.com Gift Card, worth roughly $125), while the Citi Simplicity Card doesn't advertise one right now.
- Is the Amazon Business Prime American Express Card's $0 annual fee worth it compared to the Citi Simplicity Card?
- The Amazon Business Prime American Express 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 Amazon Business Prime American Express Card.
- Can I have both the Amazon Business Prime American Express Card and Citi Simplicity Card?
- Yes, since they're from different issuers (American Express 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 Amazon Business Prime American Express Card or the Citi Simplicity Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Amazon Business Prime American Express Card: $0 spend in 0 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.