Citi Simplicity® Card
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Instacart Mastercard® 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. |
8.6MyCreditCardLab Score
MyCreditCardLab Score 8.6We'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 | No intro offer |
| REGULAR APR | |
| 19.24% - 29.99% Variable APR | 20.24% - 28.99% 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 | Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply. |
| 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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Instacart Mastercard® 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. | Instacart - It works on Instacart.com and the Instacart app. It applies to purchases on over 750 retailers. They deliver from more than 70,000 stores across 5,500 cities. No foreign transaction fees - You will pay no foreign transaction fees. This is when you use your card for purchases made outside the United States. Contactless Tap To Pay - For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol. For more knowledge, please see www.chase.com/contactless Instacart+ benefits - Enjoy free delivery on all purchases over $35. 5% credit back on pickup Pay with Points - Use your cash back rewards to pay for all or part of your purchase in the Instacart app or on instacart.com. World Elite Mastercard benefits - These include access to Mastercard Priceless® Experiences and special offers from brands. You also get a free 24/7 concierge service. |
| CASH ADVANCE FEE / APR | |
| 29.99% variable, plus a fee of either $10 or 5% of the amount of each transaction, whichever is greater | Either $10 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 | 20.24% - 28.99% Variable APR |
| RECOMMENDED CREDIT SCORE | |
| 690 - 850 (Fair - Exceptional) | 690 - 850 (Fair - Exceptional) |
| FOREIGN TRANSACTION FEE | |
| 3% | $0 |
| BEST FOR | |
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| More Details | More Details |
Citi Simplicity® vs. Instacart Mastercard®
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