Advertiser Disclosure Editorial Disclosure

Citi Simplicity® Card

Citi Simplicity® Card

0% Intro APR on Balance Transfers for 21 Months

Citi Simplicity® Card
  • Regular Purchase APR 14.74% to 24.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.74% to 24.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.24% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • 0% intro APR on balance transfers for 21 months from date of first transfer
  • 0% Intro APR on purchases for 12 months from date of account opening
  • No annual fee
  • No late fee
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 14.74% to 24.74% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 21 months on transfers made within 4 months from account opening date
  • Balance Transfer APR: 14.74% to 24.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction amount in US dollars
  • Return Payment Penalty Fee: Up to $40

Add cards to start comparing.

  

At a Glance

The Citi Simplicity® Card is one of the most consumer-friendly balance transfer cards available today, 0% intro APR on balance transfers for 21 months from the date of first transfer as well as 0% intro APR for 12 months on purchases from when the account opens.

Ideal for Those Who:

  • Have a significant balance elsewhere that you’d like to transfer over and pay off without interest
  • Enjoy the freedom of having 12 months with 0% APR on the purchases made with this card
  • Want a credit card with robust consumer protection features

Citi Simplicity® Card Review

If you’re looking for a straightforward balance transfer card with no late fees, no penalty rate, and no annual fee to worry about, then the Citi Simplicity® Card is a solid option to consider. You’ll receive 0% intro APR on purchases for 12 months from when your account opens, plus 0% intro APR on balance transfers for 21 months from the date of your first transfer – so long as the transfer is completed in the first 4 months. Big balances can feel like a huge burden to bear, but that’s where the Citi Simplicity® Card shines. Thanks to its generous introductory period, you can pay down huge debts you’ve accumulated before or since signing up for the card, allowing you to get back on your feet comfortably on your own accord. Personal peace of mind also comes in the form of enhanced EMV chip technology, no liability on unauthorized charges, and Citi® Identity Theft Solutions to help get your life back in order if your card goes missing and your account becomes compromised.

Should You Apply for the Citi Simplicity® Card?

The Citi Simplicity is a basic credit card that hits all the right notes. The card enjoys 0% intro APR for the first 21 months on balance transfers and 0% intro APR on purchases for the first year – all for no annual fee. Other nice perks include no penalty fees, no late fees, and a competitive APR.