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Citi Simplicity® Card

Citi Simplicity® CardApply Now

  • 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.

Citi Simplicity® Card with 0% Interest, No Late Fees and No Penalty APR

The Citi Simplicity® Card is one of the most attractive balance transfer credit cards which is strongly recommended for anyone who is shopping for a credit card offering the benefit of a 0% introductory interest period.. thus allowing you to pay down your balance much faster.

This credit card offers a 0% introductory interest rate on balance transfers as well as purchases for 18 full months. This gives you the choice to either transfer a balance from another credit card and take 18 months to pay it off with no interest.. or if you are considering a large purchase you can make your purchase using the Citi Simplicity Card and have 18 months to pay off your purchase without incurring the additional expense of paying a lot of interest.

This credit card also differs from most other cards as you will never pay any late fees, or have to worry about an increased penalty interest rate should you accidentally make a payment after the due date has passed.

Read our review below, so you can weigh the good and bad points of the Citi Simplicity Card before deciding whether or not this card may be right for you.


0% Introductory Interest for 18 Months with the Citi Simplicity® Card
Citi Simplicity® Card

Most Advantageous Features of This Card:

  • 0% introductory APR on balance transfers for 18 months

If you are carrying a balance on another credit card and would like 18 months to pay down your debt without paying a lot of interest, then you should definitely consider the Citi Simplicity Card.

This card will allow you to pay down your debt faster. Over the next 18 months you will be have the confidence in knowing that 100% of your payment is going toward paying down your balance.. with none of your money being wasted in paying a lot of interest and fees.

Note: to qualify for the 18 month 0% interest offer on balance transfers, you must complete your balance transfers within the first 4 months of your new account opening.

After your 18 month introductory period has passed.. the interest rate on your credit card will be a variable rate of 12.99% to 21.99% depending on your credit worthiness.

  • No Annual Fee

There are no annual fees associated with the Citi Simplicity Card.

  • No Late Fees

If you accidentally miss a payment due date there is no late fee. Other credit cards often charge a late payment of up to $35.

  • No Penalty Interest Rate

You will not have to worry about increased penalty interest rates either should you accidentally make a payment late. Other credit cards often institute penalty interest rates of as much as 29.99% if a payment is not made by the due date.

Least Advantageous Feature of This Card:

  • Lack of a Rewards Program

The Citi Simplicity Card is.. as the name suggests.. a very basic and simple credit card. The card offers no additional advantages such as points or rewards for your purchases.

The only attractive feature of this card is the fact that as a balance transfer credit card it is most beneficial to those who wish to pay down their credit card debt.


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