Citi Simplicity® Card

Citi Simplicity® Card

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Credit Cards » Citi Credit Cards » Citi Simplicity® Card
Citi Simplicity® Card
Partner Offer

Citi Simplicity® Card

Good to Excellent Credit Recommended (670-850) ? 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.
at Citi's Secure Site
Balance Transfers Intro APR
0%* for 21 months on Balance Transfers*
Purchases Intro APR
0%* for 12 months on Purchases*
Regular APR
15.99% - 25.99%* (Variable)
Annual Fee


  • 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 15.99% - 25.99%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, 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 balance, 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


  • 0% Introductory APR
    0% Introductory APR

Staff Review


Editor's Rating:

3.2-star review

3.2 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 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.