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Credit Cards » Citi Credit Cards » Citi Simplicity® Card - No Late Fees Ever
Citi Simplicity® Card - No Late Fees Ever
Partner Offer

Citi Simplicity® Card - No Late Fees Ever

Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Apply Now at Citi's Secure Site
Balance Transfers Intro APR
0%* 21 months on Balance Transfers*
Purchases Intro APR
0%* 12 months on Purchases*
Regular APR
16.74% - 26.74%* (Variable)
Annual Fee
$0*

Highlights

  • The only card with No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.74% - 26.74%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.74% - 26.74%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day — just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

Features

  • 0% Introductory APR
    0% Introductory APR
  • Balance Transfer
    Balance Transfer

Staff Review

 

Editor's Rating:

3.7-star review

3.7 out of 5

Our take: The Citi Simplicity card offers an exceptionally long introductory period for balance transfers, but unfortunately also includes a larger balance transfer fee that can make transferring a balance expensive.

Read full review

 

All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.