0% for 18 Months*
0% for 18 Months*
Citi Simplicity® Visa Card Credit Card
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.
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
You’ll need excellent credit to qualify for the Citi Simplicity card, and there is no rewards program attached to it.
Citi Simplicity® Visa Card
| Features | |
|---|---|
| Intro APR: | 0% for 18 Months* |
| Regular APR: | 12.99%-21.99% (Variable)* |
| Balance Transfer: | 0% for 18 Months* |
| Annual Fee: | $0* |
| Credit Needed: | Good to Excellent |
Highlights
- Click "APPLY NOW" to apply online or call 800-340-7968
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% 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.
Rates & Term Details
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. You get 0% for 18 months, followed by a variable interest rate of 12.99% to 21.99% 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.
By sup
(orlando)
Date Posted 03/09/2013
| Detailed Ratings |
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| Introductory APR (Purchases and Transfers) |
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| Benefits (Reward program,service discounts, theft protection) | |
| Fees (Balance transfers, annual fee, cash advances) | |
| Standard APR | |
| Customer Service | |
I definitely would recommend this card to a friend.
3 out of 6 people found this review helpful.
By mike
(chicago)
Date Posted 12/19/2012
| Detailed Ratings |
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| Introductory APR (Purchases and Transfers) |
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| Benefits (Reward program,service discounts, theft protection) |  |
| Fees (Balance transfers, annual fee, cash advances) | |
| Standard APR | |
| Customer Service | |
I definitely would not recommend this card to a friend.
7 out of 7 people found this review helpful.
By charlie
(san marcos, texas)
Date Posted 10/27/2012
| Detailed Ratings |
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| Introductory APR (Purchases and Transfers) |
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| Benefits (Reward program,service discounts, theft protection) | |
| Fees (Balance transfers, annual fee, cash advances) | |
| Standard APR | |
| Customer Service | |
I definitely would recommend this card to a friend.
37 out of 48 people found this review helpful.
By Neil Klauber
(Boston, MA)
Date Posted 04/17/2012
| Detailed Ratings |
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| Introductory APR (Purchases and Transfers) |
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| Benefits (Reward program,service discounts, theft protection) | |
| Fees (Balance transfers, annual fee, cash advances) | |
| Standard APR | |
| Customer Service | |
I definitely would recommend this card to a friend.
102 out of 116 people found this review helpful.
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Citi Simplicity® Visa Card
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Over 1,250,000 cardholders since 2005
Over 1,250,000 cardholders since 2005
