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Citi Simplicity® Card

Citi Simplicity® Card


Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 307 Offer Ratings
Over the Past 60 Days!

(307) Over the Past 60 Days!

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  • Regular Purchase APR 18.24% - 28.99% (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 877-886-4537. TTY: Use 711 or other Relay Service.
  • 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 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
  • See additional Citi Simplicity® Card details

Card Fees

Foreign Transaction Fee 3% of each purchase transaction after its conversion into U.S. dollars

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. Then a balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

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

Penalty APR N/A

Ongoing Information

Rewards Rate N/A

Annual Fee $0

Additional Card Details

$0 Liability on Unauthorized Changes 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 18.24% - 28.99% (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. 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

  • 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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