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...
- Grace Pilling, BankrateSome 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.
- 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...
- 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...
- 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.
- 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.
Details
| 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)
|
| 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 |
| 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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