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Side-by-side
Citi Simplicity Card vs USAA Rewards American Express
Both are well-respected travel cards. The Citi Simplicity Card comes from Citi at $0/yr; the USAA Rewards American Express from USAA 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 | Citi Simplicity Card | USAA Rewards American Express |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | No welcome bonus; product is a 0% intro APR balance-transfer card with no late fees, no penalty APR, and no rewards program | 2,500 USAA Rewards points |
| Bonus value (est.) | - | $25 |
| Min spend to unlock bonus | - | $0 in 0 mo |
| Issuer | Citi | USAA |
| Card category | rewards | |
| Transfer partners | None | None |
| Headline benefits |
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
Read the full review
USAA Rewards American Express
$0/yr · 2,500 USAA Rewards points
Editorial take: USAA Rewards American Express
Common questions
- Which card has the bigger sign-up bonus, Citi Simplicity Card or USAA Rewards American Express?
- The USAA Rewards American Express has a public bonus (2,500 USAA Rewards points, worth roughly $25), while the Citi Simplicity Card doesn't advertise one right now.
- Is the Citi Simplicity Card's $0 annual fee worth it compared to the USAA Rewards American Express?
- The Citi Simplicity Card has no annual fee, so the question is whether the USAA Rewards American Express's $0 fee is justified by its perks. If you'll use enough of the USAA Rewards American Express's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Citi Simplicity Card.
- Can I have both the Citi Simplicity Card and USAA Rewards American Express?
- Yes, since they're from different issuers (Citi and USAA) 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 Citi Simplicity Card or the USAA Rewards American Express first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Citi Simplicity Card: no published min spend. USAA Rewards American Express: $0 in 0 months. 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.