Head to head 
Capital One Platinum Credit Card vs. Citi Simplicity Card
On the criteria below, Capital One Platinum Credit Card wins 1 of 4. The verdict depends on which criteria matter to you.
Capital One Platinum Credit Card
Capital One
Citi Simplicity Card
Citi
At a glance
Capital One Platinum Credit Card wins 1 of 4 criteria here, making it the stronger all-rounder.
Capital One Platinum Credit Card leads on foreign transactions, while Citi Simplicity Card only ties the rest.
Who wins what
1 vs 0 (3 tie)- First-year math Tie
Both cards land within $25 of each other after the annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Tie
Same peak earning rate.
- Foreign transactions Capital One Platinum Credit Card
Capital One Platinum Credit Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- —
- —
- First-year net
- +$0
- +$0
- Peak earning rate
- —
- —
- Top categories
- —
- —
- Lounge access
- No
- No
- Travel insurance
- No
- No
- Elite status
- No
- No
- Foreign transaction fee
- None
- 3.00%
- Reward currency
- —
- —
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.