Citi Simplicity® Card review

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Advertiser Disclosure

Interest Rate: Purchases
16.24% ‐ 26.24% (0% for the first 12 months)
Balance Transfer
16.24% ‐ 26.24% (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 23 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...


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
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.

- Ashley Sutphin Watkins, LendEDU
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.

- Robin Ratcliff, CreditCards.com
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.

- Kailey Fralick, Cardcruncher

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)
  • 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 16.24% ‐ 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


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

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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

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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

Less

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

Less

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

Wise Bread

Retire your credit card debt

from Wise Bread

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.

Read full review

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Credible

Valuable for individuals looking to transfer debt

from Credible

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.

Read full review

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.

Read full review

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Credit Cards Explained

Boasts an industry-leading 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 for no annual fee and an impressive 21 month 0% interest period, you can’t go wrong.

Read full review

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.

Read full review

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User Reviews


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