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...
- Lisa Bigelow, FinanceBuzzThis 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.
- Benilyn Formoso - Suralta, Fit Small BusinessThe Citi Simplicity® Card is a good option if you prefer to use a dedicated personal credit card for business expenses. This card is ideal for business owners who need to pay off an existing credit card debt because it offers a long no-interest period on balance transfers.
- Ben Luthi, SlickDealsOne of the major downsides to the Citi Simplicity Card is that it doesn’t offer a rewards program — that means no sign-up bonus and no ongoing points, miles or cash back when you use the card to make purchases. The lack of a rewards program severely limits the card’s value once the balance transfer...
- Claire Dickey, Grace Pilling, BankrateIf you have credit card debt to pay off, the Citi Simplicity Card is one of the best balance transfer credit cards available since it offers one of the longest zero percent intro APR periods on balance transfers available. You’ll receive a 21-month zero percent intro APR on balance transfers made wi...
- Rebecca Lake, MyBankTrackerIt 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.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
15.49% ‐ 25.49% (Variable) (0% for the first 12 months) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
15.49% ‐ 25.49% (Variable) (0% for the first 21 months)
|
| Cash Advance Interest Rate |
25.99% (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 |
| 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, Google Pay |
| Virtual Cards | Yes |
| 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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