Citi Simplicity® vs. Discover it® Secured Credit Card
Side-by-side comparison · Updated 2026 · Independently reviewed
Citi Simplicity®
Citi
4.3
0% intro APR for 21 months on balance transfers. No late fees ever.
Full review →
Discover it® Secured Credit Card
Discover
4.5
Secured card that earns 2% at gas and restaurants (up to $1,000/quarter). Cashback Match year one.
Full review →WealthSpott Verdict
Citi Simplicity® wins on more measurable categories — particularly annual cost. Discover it® Secured Credit Card may still win for your wallet depending on how you spend.
Feature
Citi Simplicity®
Discover it® Secured
Annual Fee
$0
$0
Sign-up Bonus
None
Cashback Match
Rewards Rate
0%
1%-2%
Rewards Type
None
Cash Back
0% Intro APR
0% for 12 months
N/A
Regular APR
18.49%-28.99% Variable Best
28.24% Variable
Foreign Transaction Fee
Yes
Yes
Recommended Credit Score
670-850
300-669
Citi Simplicity®
Pros
- 0% intro APR for 21 months on balance transfers
- No annual fee
- No late fees — ever
Cons
- No rewards program
- 3% foreign transaction fee
- Purchase APR intro only 12 months
Discover it® Secured Credit Card
Pros
- Earns rewards while building credit
- Cashback Match first year
Cons
- Requires refundable security deposit
Not sure which card is right for you?
Browse all credit cards