Citi Simplicity® Card | CompareCards.com

Citi Simplicity® Card

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Citi Simplicity® Card

 

Rated 4.5/5.0 stars by our editorial team

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Rates & Fees
  • Regular Purchase APR 18.74% - 29.49% (Variable)
  • Intro Purchase APR 0% intro APR for 12 months on Purchases
  • Intro BT APR 0% intro APR for 21 months on Balance Transfers
  • Annual Fee $0
  • Credit Needed Good / Excellent
  • Card Brand Mastercard®
  • Regular Purchase APR 18.74% - 29.49% (Variable)
  • Intro Purchase APR 0% intro APR for 12 months on Purchases
  • Intro BT APR 0% intro APR for 21 months on Balance Transfers
  • Annual Fee $0
  • Credit Needed Good / Excellent
  • Card Brand Mastercard®

Highlights

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.74% - 29.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Stay protected with Citi® Quick Lock
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Card Fees

Foreign Transaction Fee

3%

Balance Transfer Fee

There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)

Penalty APR

N/A

Ongoing Information

Rewards Rate

N/A

Annual Fee

$0

Expert Reviews

From the CompareCards.com Editorial Team, updated on Sep 26, 2024

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® Card, from our partner Citi, is simply the best. Citibank does advertise its products on our site. You get 0% intro APR for 12 months on Purchases and 0% intro APR for 21 months on Balance Transfers, followed by an interest rate of 18.74% - 29.49% (Variable). Long 0% intro rates apply 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. It is no wonder that the Citi Simplicity® Card has won rave reviews and is included in many consumer lists of “Top 10” credit cards.

Expert Reviews of the Citi Simplicity® Card

  • 4.0

    Regular APR

  • 4.5

    Intro APR

  • 4.0

    Fees

  • 3.5

    Benefits

  • 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 0% intro APR for 12 months on Purchases and 0% intro APR 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® Card 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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YOUR RATING

 

Rated 4.5/5.0 stars by our editorial team

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4.5/5.0 from 0 Offer Ratings
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