Citi Simplicity® Card

Citi Simplicity® Card

at Citi's Secure Site
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 18 months on Balance Transfers*
Purchases Intro APR
0%* for 18 months on Purchases*
Regular APR
15.74% - 25.74%* (Variable)
Annual Fee


  • The only card with No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness
  • 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:

4.5-star review

4.5 out of 5

Our take: The Citi Simplicity card gets one of our highest ratings in the balance transfer category for its exceptionally long introductory period and its simplified payment terms with minimal penalties.

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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.