Citi Simplicity® Card
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Ink Business Unlimited® Credit Card
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9.0MyCreditCardLab Score
MyCreditCardLab Score 9.0We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
8.9MyCreditCardLab Score
MyCreditCardLab Score 8.9We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
| ANNUAL FEE | |
| $0 | $0 |
| INTRO APR | |
| 0% intro APR on Purchases for first 15 months and 0% intro APR on Balance Transfers for first 21 months on qualifying balance transfers | 0% intro APR on Purchases for first 12 months |
| REGULAR APR | |
| 19.24% - 29.99% Variable APR | 18.49% - 24.49% Variable APR |
| PROS | |
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| CONS | |
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| WELCOME BONUS | |
| 0% intro APR for 21 months on balance transfers and purchases from date of account opening | $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening |
| REWARDS | |
Citi Simplicity® Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
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Ink Business Unlimited® Credit Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
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| BENEFITS | |
| Flexible payment due date - Cardholders are able to choose a payment due date that works best for them. No penalty APR - You won’t be assessed a penalty APR if you’re late on a payment. 21 month-APR offer on balance transfers - The 21-month offer on balance transfers is one of the longest intro APR offers. They have not paid interest for nearly two years. This gives cardholders the chance to make a serious dent in their debt. 12 month-APR offer on purchases - If you need to pay for purchases over time, you won't have to pay interest on them for a full year. However, there are cards with longer intro APR periods on purchases. Fewer fees - The Citi Simplicity doesn’t charge an annual fee or late fees. It does, however, charge a balance transfer fee and cash advance fee. | No-cost employee credit cards - You won't pay an extra fee for issuing an employee their business credit card. This can help you track and limit employees spending on the account. Rewards can be combined - Rewards can be combined. This works with another eligible Chase Ultimate Rewards card. The other card must belong to the company owner. You can pool your rewards between cards. This adds more ways to redeem them. Easy-to-understand rewards - Gift cards (1 cent per point). Travel booked through Chase Ultimate Rewards® (1 cent per point). Amazon purchases (0.8 cents per point). 0% interest for 12 months - The Chase Ink Business Unlimited card gives cash back rewards. It also has another great feature for business owners: a 0% APR on new purchases for 12 months. After that, the ongoing rate is 18.49% to 24.49%. If you are planning a large purchase for your business, this is a great chance to finance it at 0% for a year. You can use your sign-up bonus to help pay down the purchase. |
| CASH ADVANCE FEE / APR | |
| 29.99% variable, plus a fee of either $10 or 5% of the amount of each transaction, whichever is greater | 29.99% variable, plus a fee of either $15 or 5% of the amount of each transaction, whichever is greater |
| BALANCE TRANSFER FEE | |
| 19.24% - 29.99% variable, 3% intro fee ($5 min) for each transfer in first 4 months, and 5% ($5 min) for each transfer after that | 18.49% - 24.49% variable, plus a fee of either $5 or 5% of the amount of each transfer, whichever is greater |
| RECOMMENDED CREDIT SCORE | |
| 690 - 850 (Fair - Exceptional) | 690 - 850 (Fair - Exceptional) |
| FOREIGN TRANSACTION FEE | |
| 3% | 3% |
| BEST FOR | |
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| More Details | More Details |
Citi Simplicity® vs. Ink Business Unlimited® Credit
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