Citi Simplicity® Visa Card

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3.5/5.0 from 2,787 Cardholder Reviews

 

2,787 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

Jane Jakins

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

Stephania Green

Stephania Green,
Grosse Pointe

 
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3.5

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Your Rating:

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2 our of 2 people found this review helpful

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It's ok for a card. No rewards program though.

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14 our of 15 people found this review helpful

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Seriously?? They denied me..My house and car are paid for...I only have one other credit card....and I just did a credit score check which was 822...screw them...

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27 our of 29 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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13 our of 14 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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11 our of 12 people found this review helpful

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WHATS SO GREAT ABOUT THIS CARD? IF YOU HAVE AN EXCELLENT CREDIT RATING WHY SHOULD YOU BE PAYING 12.99 % & UP ON BALANCES IF THERE EVER IS ONE?

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20 our of 22 people found this review helpful

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after i was approved found out only a small amount of my balance could be transfered from my other accounts and interest was 19 percent .a waste of time.

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17 our of 19 people found this review helpful

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While your logic that the small fee to transfer a balance is minimal in comparison to potential savings in interest over the 18 month grace period is strong, your quick math was not. The formula you used added 12.99% to the principal every month. The 12.99% interest in an annual percentage rate, not a monthly percentage rate as you have shown. The APR for your hypothetical loan calculation would be 155.8% Most credit cards compound interest on a daily basis, which means you must take the APR and divide it by 365. For a 12.99% APR, the daily rate comes to 0.03559% (0.1299 ÷ 365 = 0.00035589). [Note the difference in zeros is due to one being represented as a %]. For a $3000 loan in which a 12.99%APR is compounded daily, the daily interest accrues at a rate of $1.07 per day, which comes to roughly $33.10 per month, or $397 per year. Since the card company charges you 3% to transfer a balance, you will pay a $90 service charge, which is a little less than 3 months worth of interest. This in effect makes the card completely free for 15 months, which is a savings of almost $500. Still quite a bargain, but a far cry from the $7000 per year you said...

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16 our of 18 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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24 our of 27 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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8 our of 9 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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8 our of 9 people found this review helpful

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Citi is a decent company just beware that they will lower your avail credit at any sign of your credit score decreasing due to a dispute with another company. I used them exclusively for all my purchases until a problem with a Mobil gas card I had closed three years prior showed up on my report and suddenly my limit was lowered even though I paid it off every month. Issue was resolved with Mobil (their mistake) but I moved to Discover after that. Also to the reviewer calculating interest at 7k a year. The interest on 3,000 for a year (The A in APR is for annual)would be roughly 12.99% x 3000 or $389/yr (not month) or $32 a month or $582 over 18 Months assuming your balance stayed at 3k the whole time without paying it down. Given those conditions you will save a max of $582. Its still a good deal for $90 (3% fee on 3k) but people need to calculate this correctly in order to make an informed decision.

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22 our of 25 people found this review helpful

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The no late fees are bull they charge if you are one day late and call you continously. Give me a break.

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7 our of 8 people found this review helpful

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No Customer Service

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6 our of 7 people found this review helpful

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i decided awhile back i needed a safer, better credit card so i went and looked around and found a simplicity citicard visa card that looked liked it was what i was looking for. I much prefer visa over mastercard. So far this has been perfect for me the low fees asscioated with card. Best card around feel safe and secure using this online, nowadays this is pretty tough to do with the hackers getting their hands on these big name companies. So to anyone looking for a credit card i recommend the simplicity citibank card overall you won't be dissappointed.So i rate this card 5 out 5.

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12 our of 14 people found this review helpful

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With the offers of 0% on balance transfers for up to 18 months and their rewards program. They simplify using your card to you can get the best savings on things you normally purchase everyday. I also love that they keep you notified of ongoing offers, promotions and limited time offers that can get you the things you need to use this credit card more efficiently and effectively. I love that I have no annual fee and the interest rate is fair. They are good about notifying you of any changes to your account right away . This card is a valuable asset to have .

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