Citi Simplicity® Visa Card

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3.6/5.0 from 1,053 Cardholder Reviews

 

1,053 Cardholder Reviews

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Intro APR: 0% for 18 Months*
Regular APR: 12.99%-22.99% (Variable)*
Intro Balance Transfer: 0% for 18 Months*
Ongoing Balance Transfer: 12.99%-22.99% (Variable)*
Annual Fee: $0*
Credit Needed:
 
Excellent Credit

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

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Excellent

Highlights

  • Click "APPLY NOW" to apply online or call 877-916-4537
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.

Details from the CompareCards.com Editorial Team

From the CompareCards.com Editorial Team:

For those who like to keep it simple and free of penalties and unexpected rate hikes – while working to pay down balances on other cards – the Citi Simplicity credit card is simply the best game in town. Citibank does advertise its products on CompareCards. You get 0% for 18 months, followed by a variable interest rate of 12.99% to 22.99% that applies across the board to all purchases, cash advances, and balance transfers. 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 the 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 purchases. 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® Visa Card

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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 a full 18 months of 0% APR, no annual fee, and no late penalties.

The Good

First of all, you get a fantastic 0% APR for a full 18 months, on both balance transfers and purchases, so that’s a generous incentive. In addition there is no annual fee, there are no late fees – plus a reasonable variable interest rate once the introductory period expires

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 have not been reviewed, approved or otherwise endorsed by Citibank.

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Selected reviews

Educational / User Friendly

I appreciate all the simple, easy-to-read facts that CompareCards offer. Each week CompareCards presents articles to teach the average consumer, lik… Read more

Rhonda Clancey

Rhonda Clancey,
Neenah

 

Above the pack

Tops on the ConsumerAction list says it all Read more

Chris Mettler

Chris Mettler,
Charleston

 

Super helpful

I came here looking for a card to do my balance transfer to and their livechat support was able to suggest the best option, and I was approved! Read more

Teresa Womersley

Teresa Womersley,
North Charleston

 

compare now

helps shopping easier in trying to get the best shopping expericenc Read more

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Jane Jakins,
Ocean Springs

 

Best website for Credit!

Love this site for credit reports, comparing credit cards and their rates, and finding awesome deals where I actually get MONEY BACK, just for using … Read more

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Stephania Green,
Grosse Pointe

 
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Overall Rating

3.6

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Your Rating:

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9 our of 9 people found this review helpful

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Don't like the variable rate. Nice intro APR deal. Comparable balance transfer fees to other cards. NO annual fees is always nice to see. I never pay a fee if I don't have too! It's just standard card, no fancy deals or hard to figure out rewards. Simple card. Looks nice if you need credit, but cash is always best!

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1 our of 1 people found this review helpful

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this simplicity is too hard to get unless u have excelent credit

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10 our of 10 people found this review helpful

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Who carries cash nowadays? Plastic is always the way to go. Simple and not having to carry all that extra change in your pocket is so much better and convenient. There are so many options out there and when shopping around for a card, I bumped into this one. First of all, I always look for no annual fees, but no late fees, because we often forget when the bill is due, and 0% APR are what makes this card great. I have not used the balance transfer so I cant say if this is a way to go o r not but 5 dollars is not that much if you want to take advantage of the 0% APR if you want to consolidate other credit card balances. A rewards program would be appreciated but it is not necessary. I don't really make purchases thinking about the rewards, I just buy what I need and that is all I'm interested in. I have used it on my personal and business trips. I have made purchases online and in store. I have never had any problem using it. I don’t mind using the card since like I said, there is a 0% APR. I plan to fully take advantage of this. This is a card that’s easy to use with no problems. Customer service 24 hrs is great because you never know when you will need them. Best card to help you build your credit with no hassles. It is easy and safe. No worries, no hassles. Never leave home without it.

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5 our of 5 people found this review helpful

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I love that there are no annual fees and the interest rate is very low to start with. I don't like that fact that there is not a rewards program attached to this card. I love that you get 0% APR for the first 18 months. While I rarely make my payments late I do like that they have no late fees or penalties if I do need to make one a little late. I use this card for gas and other small things and try to pay the balance monthly. It is one of my favorite cards. If they would add a rewards or cash back type program it would be the only card I used! This is a pretty good card. The 0% APR for 18 months is definitely a bonus. I like that there is no annual fee and that the interest is relatively low when compared to other cards. The biggest downside is the lack of rewards program. There are many cards out there that offer rewards, why sign up for one without any?

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2 our of 2 people found this review helpful

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Listen, if you already have excellent credit then this card is definitely not for you. I am not saying it's a bad card but with excellent credit there are plenty more options available to you. Most of what this card offers you you are already doing with an excellent credit rating so there is really no point. Like I said, there are plenty more options available. The annual percentage rate (APR) is quite steep after 18 months so be weary of that. Hey, they offer a card with with a high interest rate to people with a great credit rating...what do they have to lose? It might work for some but it mostly won't work for others.

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4 our of 4 people found this review helpful

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This card offers good customer service but the benefits aren't anything special. I would instead recommend getting a Thankyou reward card. The points add up faster and if you have a checking and banking account you can combine the points together for an easier redemption period. The simplicity card is basically a good starter card but not a card you should pursue or invest heavy spending in.

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6 our of 6 people found this review helpful

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When looking for a card, I have quite a list of "must haves." I like to have a low APR, NO annual fee, great security feature and most important is the customer service. This card has what I expect in a credit card. The most important offer in a credit card is that there is no annual fee, which is rare for a credit card. This is an awesome card with great benefits. There are no late fees, this is amazing because they do not fault you for forgetting a payment. This is a great feature to have in a credit card. Customer service is top notch, they are always available and respectful, which i hard to find with a credit card company. The interest rate is very comparable with other cards out there, it is low. I use this card for a lot of purchases I have not ever run into problems using this card anywhere. I also do not like to carry a balance especially on a credit card. I like the security features on this card. I get phone calls to verify my purchases sometimes. This is an awesome feature because of all the fradulent activity that happens a lot these days. The one thing I would change is that it should have a bonus reward feature. If they add that to this card this would make the card absolute perfection. Other than that this is a choice card and I am so happy to have it that I had to share.

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5 our of 5 people found this review helpful

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A great starter card to help build credit! Love it

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8 our of 8 people found this review helpful

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This card has good benefits and what really drew me in was the no fees offer. Really has saved me money! The security of this card is a nice added feature as on a few occasions I have been called about verifying my purchase. This card offers a piece of mind when I swipe my card at any store. One of the down sides is the low credit limit at $3000. Another downside is the call center has a lot of Indian people with accents that make it hard to understand them.

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2 our of 2 people found this review helpful

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Reviews indicate that Citibank stacks up well against its big-bank competitors. For example, the latest American Customer Satisfaction Index report, released at the end of 2011, has Citibank in first place among the largest banks. In ComScore's report, based on a survey of 2,500 people who bank online, Citibank ranks fourth for satisfaction with the financial institution itself, but it ranks second in satisfaction with the bank's website, which is more relevant to.

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3 our of 3 people found this review helpful

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I have the citi simplicity card and I really like it. It has no annual fee which is good. I don't think a card should have a fee just to use it. It is very easy to sign up and get approved. It has a good interest rate, although I don't like to carry a balance. It has no late fee charges, which is amazing in this day and age. I would say that alone puts it a cut above the rest. Customer service is always available and they are courteous and helpful. It is a simple card. There are no rate changes and there are no rotating rewards to sign up for or worry about missing. All in all I would recommend it.

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3 our of 3 people found this review helpful

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I use this card for general purposes all the time, i hardly ever carry a balance. The statement review online along with their auto pay options are awesome. There has never been a single issue in the three years i've had the simplicity card and i don't anticipate there being one in the future. If you're someone looking for a basic use card that you don't want to carry a large balance on this is for you. Be aware, depending on your credit the interest rate may not be favorable. As always, you should look over everything before making a credit choice. I hope this was helpful for everyone!

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3 our of 3 people found this review helpful

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No Annual fee for the credit card makes it number one. No late fees or Penalty charges for late payments makes it number one Special coverage for lost luggage and trip cancellation makes it number one. So Overall I rate the citi card a 4 star out of 5 as there is no reward program attached to it!

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3 our of 3 people found this review helpful

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No Customer Service

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6 our of 6 people found this review helpful

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During my zero interest period. I was late on paying my monthly statement. The amount due was around $90.00. They sent me to collections! I paid my entire balance off which was over $5000.00 and will never use this card again. I spoke to citi bank several times and they said I had to now deal with this issue by contacting the 4-5 different credit agency's. Mind you my credit score is in the eight hundreds. They sure screwed me.

1 Comment

Don't Be Late. Got to be on top of it.

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