Rated 4.5/5 stars by our editorial team
Click the stars to submit your rating.
Thanks for rating!
3.8/5.0 from 698 Offer Ratings
Over the Past 60 Days!
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
Annual Fee $0*
$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
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 16.74% - 26.74%* (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.
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 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.
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.
698 Total Ratings