Citi Simplicity® Card

Citi Simplicity® Card Summary

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.

  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.

  • No late fees - Ever

  • No penalty rate - Ever

  • No annual fee - Ever

  • Save time when you call with fast, personal help, 24 hours a day.

MyRatePlan's Expert Rating & Review

Citi Simplicity® Card review written by and updated on .

Expert Rating: 4.85 / 5 stars

4.85
  • Pros:

    The Citi Simplicity® Card card features one of the longest introductory periods on the market for BOTH purchases and balance transfers. The card also does not charge an annual fee, late fees, or penalty rates.

  • Cons:

    The card doesn't offer any sort of rewards program.

  • Our Final Take:

    There's no rewards program offered by the Citi Simplicity® Card, but the card is a great choice for people looking to pay no interest for 18 months on both purchases and balance transfers. In addition, the fact that the card charges no annual fee, late fees, or penalty rates is a pretty solid deal.

Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

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