Citi Simplicity® Card review

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Advertiser Disclosure

Interest Rate: Purchases
14.74% ‐ 24.74% (Variable) (0% for the first 12 months)
Balance Transfer
14.74% ‐ 24.74% (Variable) (0% for the first 21 months)
Signup Bonus

Informr score
The Citi Simplicity® Card currently has an Informr score of 8 out of 10. This score is based on our evaluation of 31 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...


The 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...

- John S Kiernan, WalletHub
The Points Guy

The 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...

- Katie Genter, The Points Guy
The Simple Dollar

Although 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...

- Stephen Altrogge, The Simple Dollar

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,
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


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)
  • 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 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
Sign up bonus No
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

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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