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...
- Holly Johnson, The BalanceThe Citi Simplicity® credit card offers the most generous balance transfer offer on the market. While its balance transfer fee may be higher than you’ll find among other cards, additional perks like no late fee or penalty APR make it one of the best debt repayment tools available.
- Carrie Smith, Credit Cards ExplainedThe 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...
- 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.
- Compare CardsThe 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.
- CardcruncherThe 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...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
16.49% ‐ 26.49% (Variable) (0% for the first 12 months) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
16.49% ‐ 26.49% (Variable) (0% for the first 21 months)
|
| Cash Advance Interest Rate |
16.49% ‐ 26.49% (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 |
| 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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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
Ideal for anyone who wants to consolidate credit card debt
The Citi Simplicity® credit card offers the most generous balance transfer offer on the market. While its balance transfer fee may be higher than you’ll find among other cards, additional perks like no late fee or penalty APR make it one of the best debt repayment tools available.
Read full reviewThe Citi Simplicity® credit card offers the most generous balance transfer offer on the market. While its balance transfer fee may be higher than you’ll find among other cards, additional perks like no late fee or penalty APR make it one of the best debt repayment tools available.
Read full review
Boasts an impressive 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 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.
Offers a lot of time for paying down balance transfers
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.
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.
No late fees ever
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.
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.
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.
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