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Citi Simplicity Card – No Late Fees Ever

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This article was last updated Jul 31, 2018. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

Who it’s best for

The Citi Simplicity® Card - No Late Fees Ever, issued through our partner Citi, is a great option if you need to make a plan to get rid of your overwhelming credit card debt or have a tendency to miss your payment due date. This card has simple terms and boasts “no late fees, no penalty rate and no annual fee — ever.” Missing credit card payments isn’t a good habit to get into, but at least you know you won’t have to pay extra if you slip up. This card can also benefit someone who wants to transfer a balance from an existing credit card or finance a large purchase. The long 0% intro APR period — 0% for 12 months on purchases and 0% for 21 months on balance transfers (14.74% - 24.74% (Variable), after) offers nearly two years for you to pay off your debt without interest charges. You may qualify for this card with excellent/good credit, which is nice because most balance transfer cards require excellent credit.

  • 0% for 12 months on Purchases

  • 0% for 21 months on Balance Transfers

  • 14.74% - 24.74% (Variable)

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

See additional details for Citi Simplicity® Card - No Late Fees Ever

More Info

This card is designed for people who want to transfer an existing balance or finance a large purchase. If you’re someone with poor credit or someone who wants to earn rewards or cash back, this card isn’t for you. Instead, consider a card that can earn you rewards, like the Citi® Double Cash Card – 18 month BT offer. Or, if your credit is the issue, consider other options like a personal loan if you need to finance a large purchase or consolidate credit card debt.

Where this card stands out in its category

The Citi Simplicity® Card - No Late Fees Ever is a leader among balance transfer cards with a $0 annual fee and an intro period of 0% for 21 months on Balance Transfers. After the promo period ends, the APR goes to 14.74% - 24.74% (Variable). Citi highlights this card’s policy of no late fees and no penalty rate, which is unheard of for balance transfer cards. If you’re accumulating interest on an existing credit card with a high APR and are looking to transfer your balance, this card offers one of the longest intro periods for you to pay off your debt. Although this card lacks a rewards program, you will enjoy great additional card benefits, which we cover below.

Where this card falls short in its category

This card charges a balance transfer fee of 5% of each balance transfer; $5 minimum, and even though this is typical of balance transfer cards, there are some cards without transfer fees. While using a card without a fee can save you more money, you may have to settle for a shorter intro period, meaning you have less time to take advantage of the 0% intro APR offer.

Additional card benefits

The Citi Simplicity® Card - No Late Fees Ever offers many benefits on top of its great balance transfer offer:

  • Citi® Identity Theft Solutions: You can contact a Citi® Identity Theft Solution Specialist to assist you with identifying compromised accounts and advise you on filing police reports and taking steps to recover from identity theft.
  • 24/7 customer service: Get help with almost any account question by calling the customer service number on the back of your card and speaking with a representative at any time.
  • Choose your Payment Due Date: Have the flexibility to change your due date to a day that works for you. There are select available due dates in the beginning, middle or end of the month. Keep in mind not all dates are available and it may take up to two billing cycles to process your request. You can only change your due date twice a year.
  • Apple Pay®: Simply pay for items with Apple Pay® at over 200,000 stores, or with your phone.

How to use this card most effectively

To reap the full benefits of this card, be sure to transfer your balance within four months from account opening so you don’t miss out on the intro offer. And if you plan on financing a large purchase, do it as soon as possible to enjoy the intro period. Remember, you will be charged an APR of 14.74% - 24.74% (Variable) once the intro period ends. To effectively rid yourself of debt, make sure you budget to pay off your balance before the end of the intro period. This will allow you to save money by avoiding interest charges.

How to do a balance transfer with Citibank

A balance transfer with the Citi Simplicity® Card - No Late Fees Ever cannot exceed your available credit limit. This includes the total amount of your balance transfer plus balance transfer fees. For example, if your credit limit is $10,000, your transfer cannot exceed $9,500 because there would be a $500 balance transfer fee. You must complete your transfer within four months of opening the account to take advantage of the 0% intro period.

To complete your balance transfer online, you should see a link in your account dashboard stating you’re eligible for a balance transfer in the same box as your account summary. Select “View Offer” to see your balance transfer offer. Then once you “Select Offer,” proceed to enter your transfer information and verify and submit your transfer. The balance transfer can take at least 14 days to process, so continue to make payments on your other account until the transfer is complete. Your pending transfer will be listed in the “Your Balance Transfer Requests” section, along with the current status of your request. Once your balance transfer request has been approved and fully processed, it will move to the “Your Balance Transfer” section, where you will see the amount you transferred and when the promotional rate will expire.

Compare it with the Chase Slate® credit card

Depending on your circumstances, you may benefit more from the Chase Slate® credit card than the Citi Simplicity® Card - No Late Fees Ever. The Chase Slate® credit card has an intro balance transfer fee of $0 for the first 60 days that your Account is open, after that, either $5 or 5% of the amount of each transfer, whichever is greater. As the Citi Simplicity® Card - No Late Fees Ever charges a balance transfer fee, you could save money with Chase Slate®.

A downside to the Chase Slate® credit card is its shorter intro period, which gives you less time to pay off your debt. This card may be a better option for you if you want to avoid a balance transfer fee and have the ability to pay off your balance in a shorter period of time. See below for a breakdown of the key elements of both cards.

Citi Simplicity® Card - No Late Fees Ever Chase Slate®
Annual Fee $0 $0
Balance Transfer Terms 0% for 21 months on Balance Transfers 0% Intro APR on Balance Transfers for 15 months
Balance Transfer Fee 5% of each balance transfer; $5 minimum Intro $0 for the first 60 days that your Account is open, after that, either $5 or 5% of the amount of each transfer, whichever is greater.
Ongoing APR 14.74% - 24.74% (Variable) 16.49% - 25.24% Variable
Transfer Period Four months from account opening 60 days from account opening
Rewards None Non-rewards card

Bottom line

For people struggling with debt and managing payments, it’s tough to beat the Citi Simplicity® Card - No Late Fees Ever. This card can save you a significant amount of money by avoiding interest payments during the lengthy intro period and help you get rid of your credit card debt — as long as you pay your debt in full before the intro period ends.

The information related to the Chase Slate® has been independently collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication.

Consumer Reviews

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91 Found this review helpful

By: | Oct 21, 2018

All features are excellent and we like it!

125 Found this review helpful

By: | Jan 26, 2018

Best card on the market!

342 Found this review helpful

By: | Dec 24, 2017

I had been cautious of credit cards for many years but liked the offers that CITI Simplicity offered. They provide credit report scores, haven't changed the terms of their credit card, and make it relatively easy to use the card or give you cash at no interest for over a year. Unlike a store credit card, they don't charge you an accumulated balance of interest on the life of that loan. Interest only starts from the time the deadline is up. They periodically do a review and based on your payment history and credit score, they will increase your balance. I really like the no late fees, especially since my paycheck dates are not always in line with billing dates.

315 Found this review helpful

By: | Dec 3, 2017

I have done this in the past with Citibank. It's a good deal if you pay off your new card in the 0% time frame. Otherwise, you will end up paying a very high interest rate on your unpaid balance.

109 Found this review helpful

By: | Nov 15, 2017

super good citi simplicity card

238 Found this review helpful

By: | Nov 1, 2017

Balance transfers at 0% APR for 21 months on balance transfers and purchases....enough said...you rock!!!!

106 Found this review helpful

By: | Oct 30, 2017

I'd like to know if this can be used to pay off medical bills?

1 Reply

By: Scotty Canning | Dec 24, 2017

If they accept MasterCard I don't see why not

233 Found this review helpful

By: | Oct 30, 2017

Balance transfer with Citi Simplicity, was quick and easy. I just called Citi told them I wanted to balance transfer, in about 2 min the whole phone call was done and processing.

226 Found this review helpful

By: | Oct 1, 2017

My most favorite card ever! 0% for 21 months no annual fee and if you miss a payment there is never a late fee. Pay what you can when you can but of course try your nest to pay it off before your promo ends.

164 Found this review helpful

By: | Aug 31, 2017

The best part about this card is the fantastic 0% APR for a full 21 months, on both balance transfers and purchases!

130 Found this review helpful

By: | Aug 19, 2017

Citi Simplicity® Card appears to be a fantastic value when used correctly. Any idea on the credit score range that increases ones chance for approval?

2 Replies

By: Eric Coldtown | Aug 25, 2017

Yes, great offer specially with 21 months interest free I received with my new card to bring all my accounts under one roof. Only a 3% fee on my balance transfer saving all the way to the bank. Thank you comparecards.com for being online.

By: Wayne Edwards | Oct 30, 2017

A credit score of 690 should get you that card I have one and it is very cool

116 Found this review helpful

By: | Aug 11, 2017

Hi I have a question. I was reading some of the reviews. What do you mean by YOU CAN NOT TRANSFER A BALANCE BETWEEN CARDS FROM THE SAME ISSUER? I have been paying a lot of interest in a master card issued by American Air lines. My plan is to apply for one of the Citi Diamond Preferred Card and transfer as much as I can from my American Air lines Master Card. Would that work? Thank you

2 Replies

By: CompareCards | Aug 14, 2017

Issuers, such as Capital One, Wells Fargo, or in your case, Citi, often do not allow you to transfer balances between two cards that they issue. The Citi AAdvantage card and the Citi Diamond Preferred Card are both issued by Citi, so you are not allowed to transfer balances between the two. Instead, try a balance transfer card from another issuer such as the Discover it® Balance Transfer or the Wells Fargo Platinum card.

By: Michael Platz | Aug 17, 2017

You should be able to do this so long as both cards aren't issued by Citi.

298 Found this review helpful

By: | Aug 4, 2017

I literally just applied for this card. I have a good credit rating between 700 & 750. I wanted to pay off two (2) high interest credit cards with total balances of $2100. I was approved for a card with a $5000 credit limit. I took advantage of the intro transfer deal. Citi Simplicity will pay off the balance of my other two cards. I will have one bill at zero interest. What is not to like. I am VERY happy!

277 Found this review helpful

By: | Feb 17, 2017

I love this card. I'm not sure what credit score you need, but I have an 838 and I got approved instantly.

2 Replies

By: Wendy Chazarreta | Sep 19, 2017

Well with a credit score of 838 who wouldn't approve you instantly lol

By: Melissa Lynn Garcia | Jul 4, 2018

LOL @ Wendy!!! Agreed, an 838 should get you whatever you want!

252 Found this review helpful

By: | Oct 5, 2016

Great 0% for 21 months.


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