Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- John S Kiernan, WalletHubThe Citi Simplicity® Card - No Late Fees Ever is a very good 0% credit card for people with good credit. Citi Simplicity offers intro rates of 0% for 21 months on balance transfers, 0% for 12 months on new purchases and has a $0 annual fee. The interest-free period that the Simplicity Card provides...
- Katie Genter, The Points GuyThe Citi Simplicity Card can be a good option if you are looking for a card that offers 0% introductory APR on purchases or that doesn’t charge late fees or penalty interest. But, other cards offer lower variable APR and lower balance transfer fees, so you may want to consider a different card depen...
- Stephen Altrogge, The Simple DollarAlthough Citi Simplicity® Card’s intro balance transfer offer is one of the best in the industry, the transfer fee may add an excessive burden to what might already be a sizable debt. On the other hand, having nearly two full years to rid yourself of the balance without annual fees or potential late...
- Robin Ratcliff, CreditCards.comThe Citi Simplicity card offers an exceptionally long introductory period for balance transfers, but unfortunately also includes a larger balance transfer fee that can make transferring a balance expensive.
- Emily Long, The WirecutterThis is the right card if you’re looking for the longest 0% APR period on balance transfers. Other aspects of the card, including the balance-transfer fee and ongoing APR, are lacking.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
14.74% ‐ 24.74% (Variable) (0% for the first 12 months) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
14.74% ‐ 24.74% (Variable) (0% for the first 21 months)
|
| Cash Advance Interest Rate |
25.24% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee |
5% Minimum of $5 |
| Cash Advance Fee |
5% Minimum of $10 |
| Foreign Transaction Fee |
3% of each transaction in U.S. dollars. |
| Over Limit Fee | $0.00 |
| Late Payment Fee | $0.00 |
| Promotions | |
| Sign up bonus | No |
| Rewards | |
| All Purchases | No |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | No |
| Car Rental Insurance | No |
| Car Rental Discount | No |
| Extended Warranty | No |
| Purchase Protection | No |
| Zero Liability | Yes |
| No Foreign Transaction Fees | No |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | No |
| Wireless Payments | Apple Pay, Samsung Pay, Android Pay |
| Virtual Cards | Yes |
| Additional Benefits |
Citi Identity Theft Solutions |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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