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Citi Simplicity® Card

Citi Simplicity® Card
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  • Click APPLY NOW to securely apply online.
  • 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 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.

  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.

  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

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Citi Simplicity® Review

Who is the Citi Simplicity® Card for?

The Citi Simplicity® Card, from our partner, adheres to its reputation of keeping things simple and saving you money. This is a card you can trust - don’t expect any hidden fees - or really, any fees at all. This card has no late fees, no penalty fees, and no annual fee. Its lack of fees makes this card a favorable choice if you are fee-averse.

Besides the lack of fees this card offers, it also provides the cardholder an introductory 0% APR for the first 21 months on balance transfers and 12 months on new purchases. The 21 months of 0% interest on balance transfers is 6 months longer than most other top balance transfer offers. 

The Citi Simplicity® Card offers a stellar deal to those who have existing credit card balances that they need to transfer. This feature makes the card a good fit for anyone looking to take advantage of transferring balances or making purchases with 0% interest on these transactions. 

If the cardholder has funds in a different account that they must pay interest on, transferring this sum to the Citi Simplicity® Card for zero interest will eliminate monthly interest payments. Accordingly, the Citi Simplicity® Card is a solid choice for anyone looking to pay off some debt, or simply looking to consolidate various credit card bills into a single simple monthly payment.

Ultimately, the Citi Simplicity® Card card is a great card for individuals opposed to fees, those who have existing credit card balances, or those who are considering financing options for larger purchases (think TV, furniture, appliances, card leases).

Lack of Fees

This card comes with an introductory APR of 0% for 21 months on balance transfers as well as new purchases you make with this card. The intro APR on purchases can also be convenient if you need to fund a larger purchase by piecing it out with multiple payments over time. If you're paying a high interest rate (especially if you’ve missed a card payment in the past), transferring your balance into the Citi Simplicity® Card will likely save you hundreds of dollars in interest charges alone. After the 0% intro APR phase is complete, the ongoing APR varies between 14.74% and 24.74% (Variable).

Although this card is relatively fee-free, there are a few fees to look out for when you consider purchasing. The balance transfer fee is either $5 or 5% of the dollar amount of each transfer, whichever is a higher value. Additionally, there is a cash advance fee of either $10 or 5% of the amount of each cash advance, again, whichever is greater. The foreign transaction fee is 3%, and there is also a minimum interest charge of $0.50. 

One of the few fees your will pay on this card is a balance transfer fee of 5% (with a $5 minimum). The 0% APR on balance transfers and purchases for the first 18 months still allows for the cardholder to save money if they are engaging in balance transfers or purchases right after signing up for the card. 

In short, this card is a great choice for anyone with large balance transfers or purchases, but may not be best suited for those looking to earn rewards on every purchase. It is also an excellent choice for anyone who needs to pay off debt.

Welcome Bonus

Although there is no welcome bonus per se, cardholders will gain immediate savings from a lack of monthly interest bills, on top of the absent annual fee, late fee, and penalty fee. The result is savings going directly into your pocket rather than towards financing the payment of your card.

A welcome bonus may at first be seen as more appealing to potential cardholders, but the benefits of this card can save you just as much cash, if not more, than another card’s welcome bonus would.


The Citi Simplicity® Card offers a variety of features aimed at maximizing the security and protection of the cardholder. One of these features is automatic account alerts. If you experience any suspicious activity on your account, you will automatically receive an alert to inform you of the transaction.

Furthermore, there is a $0 liability on unauthorized charges. This means that you are completely protected from unauthorized transactions on your card, and will not have to pay the fees that are associated. This permits cardholders to rest assured that their funds are secured, even if others somehow get their hands on their card information.

There is 24/7 customer service and online chat available if the card owners have any questions or need any assistance. The cardholder can say “representative” to be immediately connected with a support representative. All of these elements of the card allow the cardholder to feel secure about their account at all times.


The card is known for its benefits regarding 0% introductory APR on balance transfers and purchases, and its other lack of fees (annual, penalty, and late). However, there are other benefits that are less well known but are also of interest to the cardholder.

The owner of the card can choose the day on which they pay their bill monthly. They also have the flexibility to pay their full balance or just the minimum monthly. This allows for the cardholder to have more control over their payment schedule and reduces the stress associated with completing transactions.

This card is also compatible with most digital wallets -- most notably the contactless Google and Apple Wallets. This feature is beneficial to cardholders because it offers them the ability to shop on millions of different sites online. Digital wallets allow for a quicker and more efficient shopping period, while still possessing elements that protect the information of your card.

Using the Citi Simplicity® Card is made even more simple with the added feature of contactless pay. A chip inside your card allows for easy transactions. Just a tap and you will have completed the payment. Not only does this feature add to the easiness of transactions, but it increases safety as well. This is because no card information needs to be entered during the transaction, protecting the user's account from any prying eyes.

The cardholder can easily access their FICO® score for free whenever they would like. This is beneficial because it provides easy access to your credit score. No stipulations, no fees, simply easy access to the information you need.


This card stays true to its name by making spending simple through limited fees. The Citi Simplicity® Card’s 21 months long 0% intro APR on balance transfers is one of the longest intro APR periods for balance transfers of any card, making it a superb choice for those who are looking to pay off debt. Its lack of late, annual, and penalty fees also makes it a great card for people who are fee-averse. This card can be considered cash-back in disguise because its lengthy intro APR on both balance transfers and purchases keeps more money in your pocket.

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