Citi Simplicity® Card
- Annual fee
- $0
- Recommended credit
- Excellent / Good
- Card network
- Mastercard
- Intro purchase APR
- 0% for 12 months on Purchases
At a glance
The Citi Simplicity® Card is one of the most consumer-friendly balance transfer cards available today, 0% intro APR on balance transfers for 21 months from the date of first transfer as well as 0% intro APR for 12 months on purchases from when the account opens.
Our review of the Citi Simplicity® Card
If you’re seeking a straightforward balance transfer card with no late fees, penalty rates, or annual fees, the Citi Simplicity® Card is a top choice. Managing big balances can be burdensome, but this card offers a hassle-free solution
Who Can Benefit from the Simplicity® Card?
Designed to benefit a wide range of individuals, the Citi Simplicity® Card is ideal for frequent travelers, students, and those looking to consolidate credit card debt. With no annual fee and no late fees, this card provides simplicity and convenience for managing finances effectively.
Additionally, the card offers a long introductory APR period on balance transfers, making it a smart option for saving on interest charges. If you prioritize simplicity, convenience, and savings in your credit card usage, the Citi Simplicity® Card is worth considering.
How to Get the Card
To qualify for a Citi low-rate credit card like the Simplicity, having a good to excellent credit score is generally recommended. Citi offers a pre-qualify option before applying, based on credit score, borrowing history, and personal information. Pre-qualified offers increase approval chances without a credit check.
Introductory APR Offers
The Simplicity card features a 0% intro APR on purchases for 12 months and 0% intro APR on balance transfers for 21 months. After the introductory periods, a competitive everyday rate applies based on creditworthiness and the Prime Rate.
Citi® Benefits
The Simplicity® Card offers Citi features like Citi Entertainment, Lost Wallet service, Identity Theft Solutions, customizable payment due dates, $0 Fraud Liability, Virtual Account numbers, FICO Score Access, Quick Lock, and ID Theft Protection
Comparison
The Citi Simplicity offers a 21-month 0% intro APR on balance transfers. Compare this to other big bank offers in the U.S. for the longest intro APR periods.
- Citi Simplicity® Card: 0% for 12 months on purchases, 0% for 21 months on transfers
- BankAmericard®: 0% for 21 months on purchases and transfers
- Chase Slate Edge: 0% for the first 18 months on purchases and transfers
- U.S. Bank Visa® Platinum Card: 0% for 21 months on purchases, 0% for 21 months on transfers
- Wells Fargo Reflect Card: 0% for 21 months on purchases and transfers
What We Like About the Card
The card’s introductory 0% APR on purchases and balance transfers and no annual fee are major advantages.
Things to Consider
The foreign transaction fee of 3% may be a drawback for international use.
FAQs
- What credit bureau does Citi Simplicity pull?
Citi partners with Experian and FICO, pulling all three bureaus for credit scores.
- What is the Citi grace period?
Citi offers a 23-day grace period on credit cards.
- Does Citi Simplicity Card offer rewards?
No, the card does not offer rewards, but cardmembers have access to Citi merchant deals.
- What is the Citi Simplicity credit score requirement?
- How can I contact Citibank customer service?
Call Citi Customer Service at 1-800-950-5114 (TTY: 1-800-325-2865 for hearing/speech impaired services).
For a straightforward balance transfer card with no fees and competitive benefits, the Citi Simplicity® Card stands out as a top choice.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.99% - 29.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening.
- Stay protected with Citi® Quick Lock
Who this card may suit
- You have a significant balance elsewhere that you’d like to transfer over and pay off without interest
- You enjoy the freedom of having 12 months with 0% introductory APR on the purchases made with this card
- You want a credit card with robust consumer protection features
Rates, fees and terms
| Annual Fee | $0 |
|---|---|
| Intro Purchase APR | 0% for 12 months on Purchases |
| Regular Purchase APR | 18.99% - 29.74% (Variable) |
| Intro Balance Transfer APR | 0% for 21 months on Balance Transfers |
| Balance Transfer APR | 18.99% - 29.74% (Variable) |
| Balance Transfer Transaction Fee | There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, 5% of each balance transfer; $5 minimum. |
| Cash Advance APR | 29.99% (Variable) |
| Cash Advance Transaction Fee | 5% of each cash advance; $10 minimum |
| Foreign Transaction Fee | 3% |
| Late Payment Penalty Fee | No Late Fee |
| Return Payment Penalty Fee | Up to $41 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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Citi Simplicity® Card
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