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Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever


Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 662 Offer Ratings
Over the Past 60 Days!

(662) Over the Past 60 Days!

  • Regular Purchase APR 15.49% - 25.49% (Variable)
  • Intro Purchase APR 0% for 12 months on Purchases
  • Intro BT APR 0% for 21 months on Balance Transfers
  • Annual Fee $0
  • Credit Needed


  • Card Brand Mastercard®

Card Details


  • Click "APPLY NOW" to apply online or call 866-862-7759 TTY: Use Relay Service
  • 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 15.49% - 25.49%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.49% - 25.49%, 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 15.49% - 25.49%, 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

Card Fees

Foreign Transaction Fee 3%

Balance Transfer Fee 5% of each balance transfer; $5 minimum

Cash Advance Fee 5% of each cash advance; $10 minimum

Penalty APR N/A

Ongoing Information

Annual Fee $0

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance No

Extended Warranty Program No

Roadside Assistance No

Purchase Protection No

Travel Assistance No

Flight Accident Insurance No

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

From the Editorial Team

For those who like to keep it simple and steer free of penalties and unexpected rate hikes – while working to pay down balances on other cards – the Citi Simplicity credit card, from our partner Citi, is simply the best. Citibank does advertise its products on CompareCards. You get an intro APR of 0% for 12 months on Purchases and 0% for 21 months on Balance Transfers, followed by an interest rate of 15.49% - 25.49% (Variable). 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 this card is that there are no late fees or penalty rates charged for late payments. You also get special cardholder protections like $0 liability on unauthorized charges. 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® Card - No Late Fees Ever

  • 4.0

    Regular APR

  • 4.5

    Intro APR

  • 4.0


  • 3.5


  • star rating 4.5/5

    Overall Rating

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 an intro APR of 0% for 12 months on Purchases and 0% for 21 months on Balance Transfers, no annual fee, and no late penalties.

The Good

The best part about this card is the fantastic 0% intro APR on purchases and balance transfers. With the lack fees and penalties, the Citi Simplicity can be a big relief when many other credit cards seem to charge you a fee any chance they get.

The Not so Good

You’ll need Excellent/Good 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 may not have been reviewed, approved or otherwise endorsed by Citibank.

Consumer Reviews

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Offer Rating


662 Total Ratings

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Your Rating

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don’t disclose personal information like your credit card numbers or account information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

+635 users submitted a rating without a full review

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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 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 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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