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...
- NextAdvisorIf you’re looking for an incredibly long 0% intro balance transfer APR period (21 months!), a nice 0% intro APR period on purchases (12 months) and reasonable ongoing APRs as well as great added benefits like no late fees or penalty rates and no annual fee, the Citi Simplicity® Card is the way to go...
- Ashley Sutphin Watkins, LendEDUThe Citi Simplicity card will appeal the most to cardholders who want to transfer a large balance and enjoy paying it off interest-free over 21 months. If you want rewards or signup bonuses, however, consider an option outside of the Citi Simplicity.
- 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.
- Kailey Fralick, CardcruncherThe Citi Simplicity® Card is worth considering if you need the full 21-month 0% APR period to pay off a large transfer balance. Otherwise, you can get more bang for your balance out of a card with a shorter 0% APR period and cash back rewards.
- Elizabeth Aldrich, The AscentFew leading cards on the market can match the length of this promo APR offer. The $0 late fee and no penalty APR make this even more wallet-friendly.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
16.24% ‐ 26.24% (0% for the first 12 months) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
16.24% ‐ 26.24% (0% for the first 21 months)
|
| Cash Advance Interest Rate |
16.24% ‐ 26.24% 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 | Yes |
| Car Rental Insurance | Yes |
| Car Rental Discount | No |
| Extended Warranty | Yes |
| Purchase Protection | No |
| Zero Liability | Yes |
| No Foreign Transaction Fees | No |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | Yes |
| Fraud Protection | Yes |
| Free Credit Scores | No |
| Wireless Payments | Apple Pay |
| 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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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
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Critic Reviews
Offers the longest 0% intro APR period for balance transfers
If you’re looking for an incredibly long 0% intro balance transfer APR period (21 months!), a nice 0% intro APR period on purchases (12 months) and reasonable ongoing APRs as well as great added benefits like no late fees or penalty rates and no annual fee, the Citi Simplicity® Card is the way...More
If you’re looking for an incredibly long 0% intro balance transfer APR period (21 months!), a nice 0% intro APR period on purchases (12 months) and reasonable ongoing APRs as well as great added benefits like no late fees or penalty rates and no annual fee, the Citi Simplicity® Card is the way to go. We highly recommend it, particularly for consolidating balances from other high-interest cards or if you want to pay no interest for a year on new purchases and close to two years on your transferred balance.
Great for consumers who currently pays high interest on their debt
The Citi Simplicity card will appeal the most to cardholders who want to transfer a large balance and enjoy paying it off interest-free over 21 months. If you want rewards or signup bonuses, however, consider an option outside of the Citi Simplicity.
The Citi Simplicity card will appeal the most to cardholders who want to transfer a large balance and enjoy paying it off interest-free over 21 months. If you want rewards or signup bonuses, however, consider an option outside of the Citi Simplicity.
Highest ratings in the balance transfer category
The 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.
Read full reviewThe 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.
Read full review
One of the longest 0% APR periods of any card
The Citi Simplicity® Card is worth considering if you need the full 21-month 0% APR period to pay off a large transfer balance. Otherwise, you can get more bang for your balance out of a card with a shorter 0% APR period and cash back rewards.
The Citi Simplicity® Card is worth considering if you need the full 21-month 0% APR period to pay off a large transfer balance. Otherwise, you can get more bang for your balance out of a card with a shorter 0% APR period and cash back rewards.
A balance transfer credit card with no late fees
Few leading cards on the market can match the length of this promo APR offer. The $0 late fee and no penalty APR make this even more wallet-friendly.
Read full reviewFew leading cards on the market can match the length of this promo APR offer. The $0 late fee and no penalty APR make this even more wallet-friendly.
Read full review
18 months of 0% to whittle down debt
It has a nice 0% intro APR period, but its relatively high balance-transfer fee makes it more attractive for purchases than for transfers. Late-payment relief is a plus.
Read full reviewIt has a nice 0% intro APR period, but its relatively high balance-transfer fee makes it more attractive for purchases than for transfers. Late-payment relief is a plus.
Read full review
Retire your credit card debt
This is the card for those who realize that they have not been using credit cards as well as they should have. I am talking about those of us with credit card debt — approximately two-thirds of Americans, as well as those who sometimes make a payment late. It is up to you to get yourself out o...More
This is the card for those who realize that they have not been using credit cards as well as they should have. I am talking about those of us with credit card debt — approximately two-thirds of Americans, as well as those who sometimes make a payment late. It is up to you to get yourself out of debt, but the Citi Simplicity Card can be a valuable tool to help you do so.
Valuable for individuals looking to transfer debt
If you are looking for a credit card with an above-average interest-free introductory period or think that you may occasionally be late on a few payments, then the Citi Simplicity Card should be right up your alley.
If you are looking for a credit card with an above-average interest-free introductory period or think that you may occasionally be late on a few payments, then the Citi Simplicity Card should be right up your alley.
Boasts an industry-leading introductory interest rate
The Citi Simplicity Card is not for everyone, but if you’re interested in no annual fees, no late fees and no penalty fee ever, then this card is perfect for you. There are some better cards out there that offer cash back rewards and more perks, but for no annual fee and an impressive 21 month 0% interest period, you can’t go wrong.
The Citi Simplicity Card is not for everyone, but if you’re interested in no annual fees, no late fees and no penalty fee ever, then this card is perfect for you. There are some better cards out there that offer cash back rewards and more perks, but for no annual fee and an impressive 21 month 0% interest period, you can’t go wrong.
Can be a great tool to help you pay down your debts
The Citi Simplicity card is a solid option for anyone who wants to pay down their debt. So the long introductory APR period and no late fees are a huge draw with this card. As long as you use it responsibly, you could save yourself hundreds in interest fees.
The Citi Simplicity card is a solid option for anyone who wants to pay down their debt. So the long introductory APR period and no late fees are a huge draw with this card. As long as you use it responsibly, you could save yourself hundreds in interest fees.