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Author: Robin Saks Frankel, @robinsaks | Last Updated: September 6, 2018

Editor’s analysis on some of our favorite Mastercard credit cards

Citi Simplicity Card

This card has a solid introductory offer, which makes it a great choice for the consumer who wants to make a big purchase and pay it off slowly. And because of its generous stance on late fees (there are none), it’s also a solid option if you need flexibility with payments.


  • Pay no interest on balance transfers or purchases for 18 months.
  • There are no late fees with this card, giving borrowers the flexibility and help they need to pay off high-interest debt.
  • Pay no annual fee and no penalty rate, making it a great choice for consumers on a budget.

Who should get this card
Anyone wrestling with high-interest credit card debt should consider the Citi Simplicity card. It’s generous 18-month introductory zero percent APR offer on balance transfers gives debtholders an opportunity to pay down their bill without accruing additional charges. This card also has access to Citi’s Price Rewind program, which will refund the price difference if you made a purchase that can be found for less elsewhere.

After the introductory period expires, this card has an ongoing variable APR of 15.74 to 25.74 percent. On the low end, that’s a pretty good interest rate, but you may be able to find a cheaper APR.

Citi AAdvantage Platinum Select World Elite Mastercard

This card earns high marks for its outstanding rewards program and generous sign-up bonus. It also offers a number of airport and in-flight perks.


  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases.
  • Earn 50,000 miles when you spend $2,500 within the first three months of opening the account.
  • Get a 10 percent rebate on redeemed miles each year, capped at 10,000 miles.

Who this card is good for
If you frequently fly American Airlines, this card is hard to beat for its generous rewards program and perks like priority boarding and free checked bags for you and up to four others in your party. Also, if you use the generous sign-up bonus toward a trip abroad, this card has no foreign transaction fees.
But unless you almost exclusively use American Airlines, this may not be the best card for you as the rewards are not transferable to another airline or program. Note the $99 annual fee, which could cut into the total value of your rewards.
The APR is a variable 17.74 to 25.74 percent.

Citi Double Cash Card

This card has a simple rewards structure with no categories to track, no cap on cash back and no annual fee.


  • Earn cash back twice: 1 percent on general purchases and 1 percent when you pay your bill on time. Two percent cash-back on everything makes this an industry-leading card for cash back on general purchases.
  • Pay no interest on balance transfers for 18 months.
  • Register your purchases online through the Citi Price Rewind program and the company will search for lower prices on those items and refund you the difference on better deals.

Who should get this card
This card is best for those seeking an affordable cash-back card with generous rewards on all purchases and an easy-to-use rewards structure. There’s no chasing bonus categories, no rotating categories, and no annual fee.

This card charges a variable APR of 15.24 to 25.24 percent.

If you typically carry a balance or often fail to pay on time, this may not be the card for you. There’s also no sign-up bonus, something you’ll find on other competing cards. days.

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* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.