Citi Simplicity® Card
Citi Simplicity® Card
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Citi Simplicity® Card

Citi Simplicity® Card

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Our rating:3.9 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

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.
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Balance Transfers Intro APR
0% for 18 months on Balance Transfers
Purchases Intro APR
0% for 18 months on Purchases
Regular APR
14.74% - 24.74% (Variable)
Annual Fee
$0

Great for:

Paying down debt. The Citi Simplicity Card offers one of the longest introductory periods on balance transfers currently available. You’ll get a year and a half to chip away at your balance and could save thousands in interest, all without risking a late fee or penalty APR. The Simplicity regularly appears on our list of best credit cards.

Highlights

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

Features

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

Staff Review

Editor's Rating:

3.9 out of 5

Our take: The Citi Simplicity card offers a very long introductory period for balance transfers and carries minimal fees, making it a great option if you're ready to put debt behind you once and for all.

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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.