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Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever

 

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Your Rating:

3.7/5.0 from 1,356 Offer Ratings
Over the Past 60 Days!

(1,356) Over the Past 60 Days!

  • Regular Purchase APR 14.99% - 24.99% (Variable)
  • Intro Purchase APR 0%* for 21 months on Purchases*
  • Intro BT APR 0%* for 21 months on Balance Transfers*
  • Annual Fee $0*
  • Credit Needed

    Excellent/Good

  • Card Brand Mastercard®

Card Details

Highlights

  • Click "APPLY NOW" to apply online or call 877-886-4537 TTY: Use Relay Service
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

Card Fees

Foreign Transaction Fee 3%

Balance Transfer Fee 3% of each balance transfer; $5 minimum

Cash Advance Fee 5% of each cash advance; $10 minimum

Penalty APR N/A

Ongoing Information

Annual Fee $0*

Additional Card Details

$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

Expert Reviews

From the CompareCards.com Editorial Team

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 an intro APR of 0%* for 21 months on Purchases* and 0%* for 21 months on Balance Transfers*, followed by a variable interest rate of 14.99% - 24.99% (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.

Expert Reviews of the Citi Simplicity® Card - No Late Fees Ever

  • 4.0

    Regular APR

  • 4.5

    Intro APR

  • 4.0

    Fees

  • 3.5

    Benefits

  • star rating 4.0/5

    Overall Rating

The Bottom Line

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 an intro APR of 0% APR for 21 months, no annual fee, and no late penalties.

The Good

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.

The Not so Good

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.

Consumer Reviews

  • star rating mask

Offer Rating

3.7/5.0

1,356 Total Ratings

5 Star
 
 
(269)
4 Star
 
 
(625)
3 Star
 
 
(342)
2 Star
 
 
(84)
1 Star
 
 
(36)

Your Rating

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don’t disclose personal information like your credit card numbers or account information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

+1337 users submitted a rating without a full review

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15 Found this review helpful

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By: | Oct 1, 2017

My most favorite card ever! 0% for 21 months no annual fee and if you miss a payment there is never a late fee. Pay what you can when you can but of course try your nest to pay it off before your promo ends.

16 Found this review helpful

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By: | Aug 31, 2017

The best part about this card is the fantastic 0% APR for a full 21 months, on both balance transfers and purchases!

17 Found this review helpful

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By: | Aug 19, 2017

Citi Simplicity® Card appears to be a fantastic value when used correctly. Any idea on the credit score range that increases ones chance for approval?

1 Reply

By: Eric Coldtown | Aug 25, 2017

Yes, great offer specially with 21 months interest free I received with my new card to bring all my accounts under one roof. Only a 3% fee on my balance transfer saving all the way to the bank. Thank you comparecards.com for being online.

22 Found this review helpful

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By: | Aug 11, 2017

Hi I have a question. I was reading some of the reviews. What do you mean by YOU CAN NOT TRANSFER A BALANCE BETWEEN CARDS FROM THE SAME ISSUER? I have been paying a lot of interest in a master card issued by American Air lines. My plan is to apply for one of the Citi Diamond Preferred Card and transfer as much as I can from my American Air lines Master Card. Would that work? Thank you

2 Replies

By: CompareCards | Aug 14, 2017

Issuers, such as Capital One, Wells Fargo, or in your case, Citi, often do not allow you to transfer balances between two cards that they issue. The Citi AAdvantage card and the Citi Diamond Preferred Card are both issued by Citi, so you are not allowed to transfer balances between the two. Instead, try a balance transfer card from another issuer such as the Discover it® - 18 Month Balance Transfer Offer or the Wells Fargo Platinum Visa® Card.

By: Michael Platz | Aug 17, 2017

You should be able to do this so long as both cards aren't issued by Citi.

68 Found this review helpful

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By: | Aug 4, 2017

I literally just applied for this card. I have a good credit rating between 700 & 750. I wanted to pay off two (2) high interest credit cards with total balances of $2100. I was approved for a card with a $5000 credit limit. I took advantage of the intro transfer deal. Citi Simplicity will pay off the balance of my other two cards. I will have one bill at zero interest. What is not to like. I am VERY happy!

183 Found this review helpful

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By: | Feb 17, 2017

I love this card. I'm not sure what credit score you need, but I have an 838 and I got approved instantly.

1 Reply

By: Wendy Chazarreta | Sep 19, 2017

Well with a credit score of 838 who wouldn't approve you instantly lol

182 Found this review helpful

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By: | Oct 5, 2016

Great 0% for 21 months.

203 Found this review helpful

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By: | Jul 26, 2016

I love Citi Simplicity Card, have 0% APR for 21 months, no annual fee, no late fee, too bad no rewards program attached to it, as a business owner who always spend a lot for buying merchandise for business purpose, money making money.

179 Found this review helpful

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By: | Jun 7, 2016

I don't know what my rating is, but I'd love to transfer a Visa (US Bank) card, but I have to department store credit cards through Citibank already. Would this prevent me from transferring the Visa balance?

1 Reply

By: CompareCards | Jun 7, 2016

You won't be able to transfer a balance to the Citi Simplicity from a store card issued that is also issued by Citibank. However, you shouldn't have any problem transfer the balance from your US Bank Visa, assuming that your credit rating is high enough to get approved.

195 Found this review helpful

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By: | May 28, 2016

Is it 21 months meaning for the first 21 months only? Let's say I paid off my balance on the 21 month after I got my cc, then i make another purchase. Will there be interest then?

1 Reply

By: CompareCards | May 31, 2016

Hi Lisa,

The 21 months of 0% intro APR only applies to the first 21 months after you open your account. If you carry a balance on your card after 21 months of having the card, you will pay interest on your balance.

253 Found this review helpful

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By: | Aug 20, 2015

Excellent card, Have had Simplicity cards for years, Never had a problem. You need to read and understand credit card offers before you apply for them. This card has saved me lots of interest on my cards for several years. I haven't paid interest on cards for several years. First educate yourself so you wont be complaining afterwards.

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By: Ann Morgan | Jan 23, 2016

awesome device Claudia --U must read and educate yourself..

189 Found this review helpful

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By: | Aug 8, 2015

Are there any restrictions to the offer of 0% interest for 21 months?

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By: CompareCards | Aug 12, 2015

Hi Kathy,

The 0% APR for 21 months is available to new cardholders and it applied to purchases and balance transfers. There is no "catch" that isn't clearly laid out in the Terms and Conditions, but one thing to keep in mind is that you cannot transfer a balance between cards from the same issuer. This is an industry rule, so it doesn't just apply to the Citi Simplicity.

184 Found this review helpful

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By: | Jul 26, 2015

love the credit card deffinitly worth it to at least apply you never know......

272 Found this review helpful

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By: | Jul 21, 2015

I've had citi simplicity for about 4 months now. My credit score was in "good" category with very low annual income $23,000) to show for, I decided to apply anyway and to my surprise, I was approved for $5,000 at 15.99% rate. After getting rejected by BOA twice where I have account with, I must say I'm only grateful to them to have given me a chance to build my credit history.

196 Found this review helpful

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By: | Jul 8, 2015

Been with Citi for a decade and more. Like the company. Never had any problems. Like their service on the phone. No long waiting times...and like their extended no interest deals....

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