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Citi Simplicity® Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
17.74% ‐ 28.49% (Variable) (0% for the first 12 months)
Interest Rate: Purchases
17.74% ‐ 28.49% (Variable) (0% for the first 12 months)
Balance Transfer
17.74% ‐ 28.49% (Variable) (0% for the first 21 months)
Balance Transfer
17.74% ‐ 28.49% (Variable) (0% for the first 21 months)
Signup Bonus
Signup Bonus

Informr score
The Citi Simplicity® Card currently has an Informr score of 8.1 out of 10. This score is based on our evaluation of 37 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...


Some of us need more time than others, especially when it comes to balance transfers. If you’re looking for a card that will give you time and flexibility to help you pay off your debt, the Citi Simplicity card may be a great fit for you.

- Grace Pilling, Bankrate
Credit Cards Explained
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 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

It is ideal for anyone who wants to sidestep hefty interest payments while avoiding expensive fees. This card features one of the longest introductory APR deals on the market. While you won’t earn any miles or reward points with this card, you can still use it to put money back in your pocket.

- Rebecca Lake, MyBankTracker

This credit card offers new customers impressively long interest-free payoff terms and gives consumers several additional benefits that are unusual in the industry, including no late fees.

- Lisa Bigelow, FinanceBuzz


Interest Rates
Regular APR Interest Rate 17.74% ‐ 28.49% (Variable) (0% for the first 12 months)

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

Balance Transfer Interest Rate 17.74% ‐ 28.49% (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 28.99% (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, Google 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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