Citi Simplicity® Visa Card

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3.5/5.0 from 2,284 Cardholder Reviews

 

2,284 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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Overall Rating

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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Citi has always treated us great with great rates, great limits and they were super nice about waiving a late fee when we neglected to get our payment made.

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1 our of 1 people found this review helpful

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The best there is !!!

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1 our of 1 people found this review helpful

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This is the greatest service in its class!

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1 our of 1 people found this review helpful

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I love this NO FEES offer!

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7 our of 7 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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1 our of 1 people found this review helpful

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I love how Citi doesn't charge any late payment fees or jazz like that. Nothing but interest savings on this card.

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16 our of 17 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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14 our of 15 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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13 our of 14 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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11 our of 12 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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8 our of 9 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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8 our of 9 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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14 our of 16 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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7 our of 8 people found this review helpful

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This card has great benefits that I personally love. It has great offers and best of all no annual fees. Plus, for the first 18 months there is 0% APR, how great is that!

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7 our of 8 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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