Target REDcard vs Citi Simplicity

Product Comparison
January 18, 2021

Citi Simplicity vs Target REDcard: Side-by-Side Comparison

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PROS
  • Significantly better rewards than Citi Simplicity
CONS
PROS
CONS
  • Worse rewards than Target REDcard
Target REDcard vs. Citi Simplicity: Side-by-Side Comparison
Winner
Target REDcard
Criteria
Citi Simplicity
Winner
3.9
Overall Score
Overall Score
4.6
Overall Score
0.0 stars – View deals >
Pricing
0.0 stars – View deals >
5.0 stars – 2 reviews
5.0 stars – 1 review
5.0 stars – 2 reviews
2.0 stars – 1 review
4.3 stars – 3 reviews
Additional Bonuses
5.0 stars – 1 review
4.0 stars – 2 reviews
5.0 stars – 1 review
5.0 stars – 1 review
Security Features
5.0 stars – 1 review
1.0 stars – 1 review
Cash Advance Cost
4.0 stars – 1 review
1.0 stars – 1 review
5.0 stars – 1 review
3.0 stars – 1 review
Return Check Fee
4.0 stars – 1 review
1.0 stars – 1 review
Damage and Loss Protection
5.0 stars – 1 review
1.0 stars – 1 review
Extended Warranty Protection
3.0 stars – 1 review
2.0 stars – 1 review
Foreign Transaction Costs
2.0 stars – 1 review
3.0 stars – 1 review
Contactless Payment
5.0 stars – 1 review
1.0 stars – 1 review
Debt Transfer Fees
5.0 stars – 1 review
2.0 stars – 1 review
Card Quality
0.0 stars – 0 reviews
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Target REDcard vs. Citi Simplicity: Comparison Details

Best Cost – Tie
5.0 stars

For the perks that you get as a Target customer, this is a great card because there is no annual fee.

Last reviewed January 20, 2020. Read all 2 no annual fee reviews.

5.0 stars

Yes, Citi Simplicity does offer no annual fee. You can find additional information about Citi Simplicity's cost on their customer service page here. You can also visit their homepage to see if Citi Simplicity has posted additional information on their cost.

Last reviewed February 8, 2020. Read all 2 no annual fee reviews.

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Best Rewards – Winner: Target REDcard
5.0 stars

While you do have perks with the Target REDcard, you don't earn any points that can be redeemed for rewards, so that makes it less desirable than a lot of cards that have similar benefits but better rewards programs.

Last reviewed January 20, 2020. Read all 2 sign up bonus reviews.

2.0 stars

Unfortunately, Citi Simplicity does not currently offer sign up bonus. You can also visit Citi Simplicity's rewards customer FAQ page to see if they've provided any additional information on this topic. We also recommend checking their homepage to see if they've posted any more updated information on their rewards.

Last reviewed February 8, 2020. Read all 2 sign up bonus reviews.

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Best Additional Bonuses – Winner: Citi Simplicity
4.0 stars

5% discount on all eligible Target purchases, 10% discount coupon each year on your card anniversary, 30 extra days for returns, The downside is, is that there is no rewards program for this card.

Last reviewed January 20, 2020. Read all 4 perks reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Citi Simplicity's website, Citi Simplicity performs very well in terms of perks relative to other credit card stores.

The review site wallethub.com gives Citi Simplicity excellent ratings for perks in a review posted on its website. Specifically, this reviewer pointed out the following:

Citi Simplicity is one of the best 0% credit cards on the market, offering 0% for 21 months on balance transfers and 0% for 12 months on new purchases. It also has a $0 annual fee. But Simplicity isn’t for everyone. You need at least good credit to qualify. And a 5% (min $5) balance transfer fee complicates its extremely long interest-free period.

One reviewer on experian.com said Citi Simplicity performs well on perks relative to its peers. You can read the full review here. Specifically, this reviewer pointed out the following:

This card has so many perks. It has helped me improve my credit, it was simple to activate, and it's accepted everywhere I go. My only concern is that I don't have to always sign if I'm purchasing something and I wish there was a signature needed for any and all purchases because thieves are everywhere looking for things like this.

Learn more at the company's website.

You can also check out the top 10 credit card stores for perks, or the overall best-performing credit card stores on our main review grid.

Looking for Citi Simplicity coupons? Check out the latest deals here. Want more reviews on Citi Simplicity? Read a more in-depth review of Citi Simplicity on this page.

Last reviewed November 26, 2019. Read all 2 perks reviews.

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Best APR – Winner: Citi Simplicity
4.0 stars

The ongoing APR is 25.15% Variable. I'm lucky where I don't carry a balance on my card, but if you do, the charges could start to snowball and you could end up paying a lot more than the benefits of the card give you are worth.

Last reviewed January 20, 2020. Read all 3 interest rates reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Citi Simplicity's website, Citi Simplicity performs very well in terms of interest rates relative to other credit card stores.

The review site wallethub.com gives Citi Simplicity excellent ratings for interest rates in a review posted on its website. From this review:

I have had this card for 3 years now. They send me 2 to 3 times a month 0% interest for 9 months to 15 months when I use the checks they send me. I can use the checks for cash, new purchases, or balance transfers with only a 5% fee. I have never purchased anything with the card itself, but I love the 0% checks they send. And I have never paid any interest to date. Favorite Card of mine to date!!

Learn more at the company's website.

You can also check out the top 10 credit card stores for interest rates, or the overall best-performing credit card stores on our main review grid.

Looking for Citi Simplicity coupons? Check out the latest deals here. Want more reviews on Citi Simplicity? Read a more in-depth review of Citi Simplicity on this page.

Last reviewed November 26, 2019. Read all 2 interest rates reviews.

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Best Security Features – Tie
5.0 stars

Based on reviews posted on popular review sites as well as from Target REDcard's website, Target REDcard performs very well in terms of security features relative to other credit card stores.

Based on information published by Target REDcard, they have excellent support for security features on a page posted on their website. Here's a snippet from the information published on their site:

Target takes a proactive approach to fighting fraud and identity theft. If a transaction or RedCard (Target Mastercard, Target Credit Card or Target Debit Card) application looks suspicious, we may call you to verify that you have authorized the application or transaction. For some online account changes or other changes to your RedCard account, you may be prompted to provide additional information about yourself, your account or your RedCard. This helps reduce the risk of fraud and the possibility of identity theft.

The review site thefinancebuff.com gives Target REDcard excellent ratings for security features in a review posted on its website. From this review:

Target RED Card debit cards saw zero fraud because they must use a PIN. Other cards would be made more secure if they also must use a PIN. Unfortunately those other cards all allow charging without a PIN.

Learn more at the company's website.

You can also check out the top 10 credit card stores for security features, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 fraud protection reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Citi Simplicity's website, Citi Simplicity performs very well in terms of security features relative to other credit card stores.

The review site usnews.com gives Citi Simplicity excellent ratings for security features in a review posted on its website. Specifically, this reviewer pointed out the following:

Cardholder benefits include zero dollar fraud liability coverage and identity theft support.

Based on information published by Citi Simplicity, they have excellent support for security features on a page posted on their website. Specifically, their website provides the following information:

Enjoy $0 liability on unauthorized charges, identity theft protection, and Fraud Early Warning.

Learn more at the company's website.

You can also check out the top 10 credit card stores for security features, or the overall best-performing credit card stores on our main review grid.

Looking for Citi Simplicity coupons? Check out the latest deals here. Want more reviews on Citi Simplicity? Read a more in-depth review of Citi Simplicity on this page.

Last reviewed February 8, 2020. Read all 2 fraud protection reviews.

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Best Cash Advance Cost – Winner: Citi Simplicity
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of cash advance cost when compared to other credit card stores.

Based on one review posted on moneycrashers.com, it appears that Target REDcard received poor ratings for cash advance cost. See the full review here. Here's a brief quote from this review:

No Balance Transfers or Cash Advances. You can’t make balance transfers or draw cash advances with your Target REDcard. That’s a drawback relative to most cash back credit cards, including Chase Freedom.

Based on one review posted on wallethub.com, it appears that Target REDcard received poor ratings for cash advance cost. See the full review here. Specifically, this reviewer pointed out the following:

You can't get cash advances with your Target Credit Card, unless you have been upgraded to the Mastercard version, which you can use anywhere that takes Mastercard, including virtually all ATMs. You can’t apply for that card directly. Once you have the Target REDcard Credit Card, it might be offered to you as an upgrade.

Learn more at the company's website.

You can also check out the top 10 credit card stores for cash advance cost, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 cash advance fees reviews.

4.0 stars

Based on reviews posted on popular review sites as well as from Citi Simplicity's website, Citi Simplicity performs very well in terms of cash advance cost relative to other credit card stores.

One reviewer on finder.com said Citi Simplicity performs well on cash advance cost relative to its peers. You can read the full review here. Specifically, this reviewer pointed out the following:

$10 or 5% of the cash advance amount, whichever is greater

One reviewer on wallethub.com said Citi Simplicity performs well on cash advance cost relative to its peers. You can read the full review here. Here's a brief quote from this review:

Citi Simplicity’s cash advance fee will set you back at least $10 or 5% of the amount withdrawn, whichever is higher.

One reviewer on citi.com said Citi Simplicity performs well on cash advance cost relative to its peers. You can read the full review here. Specifically, this reviewer pointed out the following:

The standard variable APR for cash advances is 26.74%. Please note that these rates will vary with the Prime Rate. Minimum interest charge – $0.50. Fee for foreign purchases – 3% of the U.S. dollar amount of each purchase. Cash advance fee – either $10 or 5% of the amount of each cash advance, whichever is greater.

Learn more at the company's website.

You can also check out the top 10 credit card stores for cash advance cost, or the overall best-performing credit card stores on our main review grid.

Looking for Citi Simplicity coupons? Check out the latest deals here. Want more reviews on Citi Simplicity? Read a more in-depth review of Citi Simplicity on this page.

Last reviewed February 8, 2020. Read all 2 cash advance fees reviews.

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Best Late Fees – Winner: Citi Simplicity
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of late fees when compared to other credit card stores.

Based on one review posted on upgradedpoints.com, it appears that Target REDcard received poor ratings for late fees. See the full review here. Here's a brief quote from this review:

Target states users will pay a late fee of $24 when any amount due remains unpaid after the payment due date. All subsequent late fees will be $38 until you reach the minimum required payment by the due date for 6 consecutive billing periods.

Based on one review posted on magnifymoney.com, it appears that Target REDcard received poor ratings for late fees. See the full review here. From this review:

Late payment fees run up to $38. Returned payment fees run up to $27. If you miss a payment, are late on a payment, or only pay the minimum balance, your 5% savings will be automatically negated.

Learn more at the company's website.

You can also check out the top 10 credit card stores for late fees, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 late payment fees reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Citi Simplicity's website, Citi Simplicity performs very well in terms of late fees relative to other credit card stores.

The review site creditcards.com gives Citi Simplicity excellent ratings for late fees in a review posted on its website. From this review:

The Citi Simplicity card is one of few that doesn’t charge a late payment fee or penalty APR – no matter how many times you pay late. While there is still up to a $40 penalty fee on returned payments, this is a huge perk for cardholders looking to pay down debt.

The review site nerdwallet.com gives Citi Simplicity excellent ratings for late fees in a review posted on its website. From this review:

Still, the Citi Simplicity® Card - No Late Fees Ever may be a fit for the chronically forgetful. If you miss a payment, there is no late fee or penalty APR. (NerdWallet recommends always paying on time, however, as late payments can still affect your credit scores.)

The review site experian.com gives Citi Simplicity excellent ratings for late fees in a review posted on its website. From this review:

No Late Fees, No Penalty Rate, and No Annual Fee… Ever

Learn more at the company's website.

You can also check out the top 10 credit card stores for late fees, or the overall best-performing credit card stores on our main review grid.

Looking for Citi Simplicity coupons? Check out the latest deals here. Want more reviews on Citi Simplicity? Read a more in-depth review of Citi Simplicity on this page.

Last reviewed February 7, 2020. Read all 2 late payment fees reviews.

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Best Return Check Fee – Winner: Citi Simplicity
3.0 stars

Based on ratings published by trusted online review sites as well as information from Target REDcard's website, Target REDcard performs average to better than average in terms of return check fee compared to other credit card stores.

Based on a review posted on investopedia.com, Target REDcard was rated as fairly average for return check fee relative to competing credit card stores. Check out the entire review here. Specifically, this reviewer pointed out the following:

There is also a late payment fee of up to $38 and a return payment fee of $27.

Based on a review posted on smartasset.com, Target REDcard was rated as fairly average for return check fee relative to competing credit card stores. Check out the entire review here. From this review:

Returned Payment: Up to $28

Based on a review posted on finder.com, Target REDcard was rated as fairly average for return check fee relative to competing credit card stores. Check out the entire review here. Specifically, this reviewer pointed out the following:

Late payments come with fees of up to $39 and returned payments have fees of up to $28.

Learn more at the company's website.

You can also check out the top 10 credit card stores for return check fee, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 returned payment fees reviews.

4.0 stars

Based on reviews posted on popular review sites as well as from Citi Simplicity's website, Citi Simplicity performs very well in terms of return check fee relative to other credit card stores.

One reviewer on creditcards.com said Citi Simplicity performs well on return check fee relative to its peers. You can read the full review here. Here's a brief quote from this review:

While there is still up to a $40 penalty fee on returned payments, this is a huge perk for cardholders looking to pay down debt.

Based on a review posted on creditcardinsider.com, Citi Simplicity was rated as fairly average for return check fee relative to competing credit card stores. Check out the entire review here. Specifically, this reviewer pointed out the following:

Up to $40

Learn more at the company's website.

You can also check out the top 10 credit card stores for return check fee, or the overall best-performing credit card stores on our main review grid.

Looking for Citi Simplicity coupons? Check out the latest deals here. Want more reviews on Citi Simplicity? Read a more in-depth review of Citi Simplicity on this page.

Last reviewed February 7, 2020. Read all 2 returned payment fees reviews.

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Best Damage and Loss Protection – Winner: Citi Simplicity
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of damage and loss protection when compared to other credit card stores.

Based on one review posted on target.com, it appears that Target REDcard received poor ratings for damage and loss protection. See the full review here.

Learn more at the company's website.

You can also check out the top 10 credit card stores for damage and loss protection, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 purchase protection reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Citi Simplicity's website, Citi Simplicity performs very well in terms of damage and loss protection relative to other credit card stores.

Based on information published by Citi Simplicity, they have excellent support for damage and loss protection on a page posted on their website. From this page:

You're completely protected against unauthorized charges on your account. At Citi, you will not be responsible for a charge that you did not authorize, online or otherwise.

Learn more at the company's website.

You can also check out the top 10 credit card stores for damage and loss protection, or the overall best-performing credit card stores on our main review grid.

Looking for Citi Simplicity coupons? Check out the latest deals here. Want more reviews on Citi Simplicity? Read a more in-depth review of Citi Simplicity on this page.

Last reviewed February 7, 2020. Read all 2 purchase protection reviews.

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Best Extended Warranty Protection – Winner: Citi Simplicity
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of extended warranty protection when compared to other credit card stores.

Based on one review posted on birchfinance.com, it appears that Target REDcard received poor ratings for extended warranty protection. See the full review here.

Learn more at the company's website.

You can also check out the top 10 credit card stores for extended warranty protection, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 extended warranty protection reviews.

3.0 stars

Based on ratings published by trusted online review sites as well as information from Citi Simplicity's website, Citi Simplicity performs average to better than average in terms of extended warranty protection compared to other credit card stores.

Based on a review posted on creditcardinsider.com, Citi Simplicity was rated as fairly average for extended warranty protection relative to competing credit card stores. Check out the entire review here. Specifically, this reviewer pointed out the following:

The warranty on eligible products you buy can be extended for up to 24 months.

Based on a review posted on creditcards.com, Citi Simplicity was rated as fairly average for extended warranty protection relative to competing credit card stores. Check out the entire review here. From this review:

You can also extend a manufacturer’s warranty by an additional 24 months for qualifying items paid for with your Citi card.

Learn more at the company's website.

You can also check out the top 10 credit card stores for extended warranty protection, or the overall best-performing credit card stores on our main review grid.

Looking for Citi Simplicity coupons? Check out the latest deals here. Want more reviews on Citi Simplicity? Read a more in-depth review of Citi Simplicity on this page.

Last reviewed February 8, 2020. Read all 2 extended warranty protection reviews.

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Best Foreign Transaction Costs – Tie
2.0 stars

Unfortunately, Target REDcard does not currently offer no foreign transaction fees. You can also visit Target REDcard's foreign transaction costs customer FAQ page to see if they've provided any additional information on this topic. We also recommend checking their homepage to see if they've posted any more updated information on their foreign transaction costs.

Last reviewed January 18, 2021. Read 1 no foreign transaction fees review.

2.0 stars

Unfortunately, Citi Simplicity does not currently offer no foreign transaction fees. You can also visit Citi Simplicity's foreign transaction costs customer FAQ page to see if they've provided any additional information on this topic. We also recommend checking their homepage to see if they've posted any more updated information on their foreign transaction costs.

Last reviewed February 8, 2020. Read all 2 no foreign transaction fees reviews.

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Best Contactless Payment – Winner: Citi Simplicity
3.0 stars

Based on our research, it appears that Target REDcard may not offer tap to pay at the current time. You may be able to find additional information about Target REDcard's contactless payment on their customer service page or FAQ here. You can also visit their homepage to see if Target REDcard has posted any updated information about their contactless payment.

Last reviewed January 18, 2021. Read 1 tap to pay review.

5.0 stars

Yes, Citi Simplicity does offer tap to pay. You can find additional information about Citi Simplicity's contactless payment on their customer service page here. You can also visit their homepage to see if Citi Simplicity has posted additional information on their contactless payment.

Last reviewed February 8, 2020. Read all 2 tap to pay reviews.

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Best Debt Transfer Fees – Winner: Citi Simplicity
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of debt transfer fees when compared to other credit card stores.

Based on information pulled from their own site, it appears that Target REDcard seems to have poor support for debt transfer fees. See the full page here. Specifically, their website provides the following information:

Transfer Intro APR: Not Offered

Learn more at the company's website.

You can also check out the top 10 credit card stores for debt transfer fees, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 balance transfer fees reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Citi Simplicity's website, Citi Simplicity performs very well in terms of debt transfer fees relative to other credit card stores.

Based on information published by Citi Simplicity, they have excellent support for debt transfer fees on a page posted on their website. Here's a snippet from the information published on their site:

There is a balance transfer fee of $5 or 5% of the amount of the transfer, whichever is greater.

One reviewer on creditcards.com said Citi Simplicity performs well on debt transfer fees relative to its peers. You can read the full review here. Specifically, this reviewer pointed out the following:

Balance transfer fee: $5 or 3% of the amount of each transfer, whichever is higher.

The review site cnbc.com gives Citi Simplicity excellent ratings for debt transfer fees in a review posted on its website. Here's a brief quote from this review:

You can also benefit from no interest on new purchases for the first 12 months (then 16.24% to 26.24% variable APR). There is a $5 or 5% fee (whichever is greater) charged to make the balance transfer. Addition

Learn more at the company's website.

You can also check out the top 10 credit card stores for debt transfer fees, or the overall best-performing credit card stores on our main review grid.

Looking for Citi Simplicity coupons? Check out the latest deals here. Want more reviews on Citi Simplicity? Read a more in-depth review of Citi Simplicity on this page.

Last reviewed February 7, 2020. Read all 2 balance transfer fees reviews.

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