Citi Simplicity® Card review

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Advertiser Disclosure

Interest Rate: Purchases
16.74% ‐ 26.74% (Variable) (0% for the first 12 months)
Balance Transfer
16.74% ‐ 26.74% (Variable) (0% for the first 21 months)
Rewards
-
Signup Bonus
-


8.4/10
Informr score
The Citi Simplicity® Card currently has an Informr score of 8.4 out of 10. This score is based on our evaluation of 25 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Citi Simplicity® Card is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

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...


Credit Cards Explained

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 if you're looking for a balance transfer offer, wi...

- Carrie Smith, Credit Cards Explained
The Wirecutter

This 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.

- Emily Long, The Wirecutter
Compare Cards

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.

- Compare Cards
Cardcruncher

The Citi Simplicity Card is one of the most popular credit cards for balance transfers because it offers a 21-month 0% APR period for all balance transfers completed within four months of opening the account. No other balance transfer card can best this, so it’s definitely worth considering if you h...

- Cardcruncher
NextAdvisor

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...

- NextAdvisor

Details


Interest Rates
Regular APR Interest Rate 16.74% ‐ 26.74% (Variable) (0% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 16.74% ‐ 26.74% (Variable) (0% for the first 21 months)
  • Intro rate applies on balances transferred within the first 4 months of account opening.
  • This APR will vary with the market based on the Prime Rate.
Cash Advance Interest Rate 16.74% ‐ 26.74% (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 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


Credit Cards Explained

Boasts an impressive introductory interest rate

from Credit Cards Explained

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 if you're looking for a balance transfer offe...More

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 if you're looking for a balance transfer offer, with no annual fee and an impressive 21 month 0% interest period, you can’t go wrong.

Read full review

Less

The Wirecutter

Offers a lot of time for paying down balance transfers

from The Wirecutter

This 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.

Read full review

This 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.

Read full review

Less

Compare Cards

No late fees ever

Compare Cards

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.

Read full review

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.

Read full review

Less

Cardcruncher

Worth considering to transfer a large balance

The Citi Simplicity Card is one of the most popular credit cards for balance transfers because it offers a 21-month 0% APR period for all balance transfers completed within four months of opening the account. No other balance transfer card can best this, so it’s definitely worth considering if...More

The Citi Simplicity Card is one of the most popular credit cards for balance transfers because it offers a 21-month 0% APR period for all balance transfers completed within four months of opening the account. No other balance transfer card can best this, so it’s definitely worth considering if you have a large credit card balance you’re trying to pay off. There’s also a 0% introductory APR for purchases, but this only lasts for 12 months. The Citi Simplicity Card also doesn't earn any rewards—a major downside. 

Read full review

Less

NextAdvisor

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.

Read full review

Less

LendEDU

Great for consumers who currently pays high interest on their debt

from LendEDU

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.

Read full review

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.

Read full review

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CreditCards.com

Highest ratings in the balance transfer category

from CreditCards.com

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 review

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 review

Less

Cardcruncher

One of the longest 0% APR periods of any card

from Cardcruncher

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.

Read full review

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.

Read full review

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The Ascent

A balance transfer credit card with no late fees

from The Ascent

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 review

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 review

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NerdWallet

18 months of 0% to whittle down debt

from NerdWallet

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 review

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 review

Less

User Reviews


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