Citi Simplicity® Visa Card

Overall Rating

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Intro APR: 0% for 18 Months*
Regular APR: 12.99%-21.99% (Variable)*
Intro Balance Transfer: 0% for 18 Months*
Ongoing Balance Transfer: 12.99%-21.99% (Variable)*
Annual Fee: $0*
Credit Needed: 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. 

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. 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.

Expert Reviews of the Citi Simplicity® Visa Card

by

Overall Rating
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Introductory APR
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Benefits
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Fees
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Regular APR
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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.

Not happy cusstomer

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By

(Denver, CO)

Date Posted

No Customer Service

I definitely would not recommend this card to a friend.

11 out of 29 people found this review helpful.

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Rating Breakdown
Intro APR      
Benefits      
Fees      
Standard APR      
Customer Service      

At Quick Math Shows Big Savings...

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By

(Rockingham, NC)

Date Posted

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...

I definitely would recommend this card to a friend.

35 out of 41 people found this review helpful.

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Rating Breakdown
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Benefits      
Fees      
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INTEREST RATE

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By

(N.J.)

Date Posted

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?

I definitely would not recommend this card to a friend.

13 out of 18 people found this review helpful.

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Fees are bull

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By

(South Carolina)

Date Posted

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

I definitely would not recommend this card to a friend.

12 out of 16 people found this review helpful.

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Know how to calculate interest properly!

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By

(NY)

Date Posted

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.

I definitely would recommend this card to a friend.

9 out of 10 people found this review helpful.

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Bummed

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By

(Simi Valley, Ca )

Date Posted

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.

I definitely would not recommend this card to a friend.

15 out of 16 people found this review helpful.

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Benefits      
Fees      
Standard APR      
Customer Service      

APR Savings

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By

(Stow, MA)

Date Posted

The APR is annual percentage rate. That 12.99 pct is not applied fully each month (monthly rate is 1.08 pct). In his scenario you would $7K in interest on a $3K balance in 18 months. You would save $585 in interest in 18 months.

I definitely would recommend this card to a friend.

8 out of 9 people found this review helpful.

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At Mike, in Chicago, who says "Be Careful of Fees" with Posted Date of 12/19/2012

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By

(Chicago)

Date Posted

A $3,000 balance at 0% APR saves [you] hundreds of dollars per month and it saves [you] thousands of dollars over a period of 12 to 18 months! For example, if the same $3,000 balance is being charged interest at 12.99% APR for a period of 18 months, then the "minimum" amount of interest charged will be more than $7,000. The Quick Math: $3,000 balance x 12.99% APR = 3,000 x 0.1299 = $389.70 "minimum" interest p/mo. $389.70 p/mo x 18 mos = $7,014.60 "minimum" interest. Then that $7,014.60 interest amount is added to the original $3,000, for a total amount of $10,014.60 So, knowing that the 0% APR for 18 mos saves more than $7,000, the comment about a $90 (3%) transfer fee seems to be ridiculous, now!

I definitely would recommend this card to a friend.

28 out of 81 people found this review helpful.

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AWESOME CARD

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By

(CALIFORNIA OC)

Date Posted

THIS CARD SAVED ME TONS OF MONEY.

I definitely would recommend this card to a friend.

28 out of 35 people found this review helpful.

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Jason

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By

(Jason)

Date Posted

its good

I definitely would recommend this card to a friend.

2 out of 6 people found this review helpful.

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Jaker

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By

(Jake)

Date Posted

good benefits

I definitely would not recommend this card to a friend.

2 out of 6 people found this review helpful.

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Bob

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By

(Bober)

Date Posted

i like it

I definitely would recommend this card to a friend.

0 out of 4 people found this review helpful.

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Best

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By

(Wisconsin)

Date Posted

It's ok.

I definitely would recommend this card to a friend.

1 out of 5 people found this review helpful.

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Super Card

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By

(Dells)

Date Posted

Good card.

I definitely would recommend this card to a friend.

0 out of 2 people found this review helpful.

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CHECK FOR THE TRANSFER AMOUNT BEFORE YOU APPLY

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By

(New York )

Date Posted

If you plan on transferring more than one balance... check to see how much credit they will give you . If it isn't enough .. now you have another credit card calculated in your Credit Report and Credit Score... Can't stop the application once you give all the info. The prefab invitations don't cover all of my transfers... Big Deal... waste of time and now another card. Have to wait a week until the card arrives before I can cancel it... UGH!!! If they tell you do you want to hear all of the info.. or read it in your Invitation letter.... let the rep tell you the info... never found the information stating you can't stop the application. The prescreen is a joke... someone in their offices have no clue on how much people owe but want to give you a card.

I definitely would not recommend this card to a friend.

8 out of 9 people found this review helpful.

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nice

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By

(orlando)

Date Posted

great card

I definitely would recommend this card to a friend.

61 out of 75 people found this review helpful.

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be careful of fees...

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By

(chicago)

Date Posted

Attractive introductory APR but 3% balance transfer fee translates to $90 additional cost on a $3,000 balance transfer.In addition,5% cash advance fee also adds cost to the card.

I definitely would not recommend this card to a friend.

81 out of 91 people found this review helpful.

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fees on balance tranfers

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By

(san marcos, texas)

Date Posted

include the fee you charge for balance transfers

I definitely would recommend this card to a friend.

68 out of 85 people found this review helpful.

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Way to make it Simple Citi!

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By

(Boston, MA)

Date Posted

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

I definitely would recommend this card to a friend.

148 out of 166 people found this review helpful.

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Thank you for writing a credit card review and rating Citi Simplicity® Visa Card. By taking a few minutes to share your opinions regarding Citi Simplicity® Visa Card, you are helping other credit card users make informed decisions. Your Citi Simplicity® Visa Card review is subject to our review guidelines.

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