Citi Simplicity® Card
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Citi Simplicity® Card
- 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
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.