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Citi Simplicity® Card

Citi Simplicity® Card
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Our rating:4.3 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.

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Balance Transfers Intro APR
0% for 21 months on Balance Transfers
Purchases Intro APR
0% for 12 months on Purchases
Regular APR
19.24% - 29.99% (Variable)
Annual Fee

Great for:

Paying down debt. The Citi Simplicity Card offers one of the longest introductory periods on balance transfers currently available. You 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.


  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 19.24% - 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Stay protected with Citi® Quick Lock


  • 0% Introductory APR
    0% Introductory APR
  • Balance Transfer
    Balance Transfer
  • No Annual Fee
    No Annual Fee

Staff Review

Editor's Rating:

4.3 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. See Rates and Fees

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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.