Credit Cards Citi Credit Cards Citi Simplicity® Card

Card Offer from our partner

Citi Simplicity® Card

Apply Now Credit Needed
  • 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 15.49% - 25.49% 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
Apply Now at Citi's
secure site
Purchases Intro APR
0%* for 18 months on Purchases*
Balance Transfers Intro APR
0%* for 18 months on Balance Transfers*
Regular APR
15.49% - 25.49%* (Variable)
Annual Fee
Credit Needed

Citi Simplicity® Card - 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.

See the online credit card applications for details about the terms and conditions of an offer. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site.

* For additional rates, fees and costs see issuer's website for detailed pricing and terms.