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3.8/5.0 from 537 Offer Ratings
Over the Past 60 Days!
Late Payment Fees $0*
Foreign Transaction Fee 3% of each purchase transaction in US dollars
Balance Transfer Fee Either $5 or 3%, whichever is greater
Cash Advance Fee $10 or 5%, whichever is greater
Returned Payment Fee Up to $35
Penalty APR Up to 29.99%, based on your creditworthiness
Minimum Interest Charge $0.50
Rewards Cap Non-rewards card
Rewards Rate Non-rewards card
Annual Fee $0*
Grace Period 23 Days
$0 Fraud Liability Yes
Auto Rental Insurance Yes
Extended Warranty Program Yes
Roadside Assistance Yes
Purchase Protection Yes
Travel Assistance Yes
Flight Accident Insurance Yes
Lost Luggage Reimbursement No
Concierge Service No
For those who like to keep it simple and steer free of penalties and unexpected rate hikes – while working to pay down balances on other cards – the Citi Simplicity credit card, from our partner Citi, is simply the best. Citibank does advertise its products on CompareCards. You get 0% for 21 months, followed by a variable interest rate of 14.24% - 24.24% (variable). The extra-long 0% intro rate applies to both balance transfers and purchases, which makes the Citi Simplicity card a great card to use for big purchases or to consolidate other credit card debt.
One of the most remarkable features of this card is that there are no late fees or penalty rates charged for late payments. You also get special coverage for lost luggage or trip cancellation and $0 liability on unauthorized charges. It is no wonder that the Citi Simplicity has won rave reviews and is included in many consumer lists of “Top 10” credit cards.
The Citi Simplicity Card keeps it simple, streamlining the terms of its cardholder agreement in a way that is probably simpler than any other credit card on the market. Plus there is a full 21 months of 0% APR, no annual fee, and no late penalties.
The best part about this card is the fantastic 0% APR for a full 21 months, on both balance transfers and purchases, so that’s a generous incentive.
You’ll need excellent credit to qualify for the Citi Simplicity card, and there is no rewards program attached to it.
Editorial Note: This content is not provided by Citibank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Citibank.
537 Total Ratings