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Citi Simplicity Card

in Personal Credit Cards

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Citi Simplicity Card

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in Personal Credit Cards

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Overview

Who is the Citi Simplicity Card Designed For?

Citi Simplicity Card is designed for people with excellent credit who are looking for a 0% APR credit card with no annual fee. It is a particularly good fit for those who have a lot of credit card debt or who plan to have that in the future since this card has a long duration for which the 0% APR intro rate applies and is extremely forgiving when it comes to fees and penalties.

What are the Rates for the Citi Simplicity Card?

The Citi Simplicity Card credit card lives up to its name when it comes to rates. It has the same standard 15.49% APR to 25.49% APR (varies depending on creditworthiness) for purchases, balance transfers, and cash advances. However, what makes this card stand out is its 18-month 0% APR on both purchases and balance transfers. To boot, it has no penalty rates for cardholders who are late on payments.

What are the Fees for Citi Simplicity Card?

The Citi Simplicity Card card not only offers a killer intro rate, but it also has no annual fee and no late payment fee. However, it does have a 3% fee on foreign transactions, a 5% ($5 minimum) fee on balance transfers, a 5% ($10 minimum) cash advance fee, and a $35 fee on returned payments. In other words, leave this card behind if you're going abroad.

What is Citi Simplicity Card's Rewards Program Like?

Citi Simplicity Card doesn't have a rewards program. Its focus is on helping people save on APR-related payments. Nevertheless, it does have a generous set of benefits for its cardholders.

What about Citi Simplicity Card's Signup Bonus?

Citi Simplicity Card doesn't have a signup bonus unless you count an 18-month 0% APR intro rate as a signup bonus, which you should.

Does the Citi Simplicity Card Have Any Other Benefits?

Citi Simplicity Card includes a set of prime shopping travel benefits, such as Citi Price Rewind, which will refund the price difference if a cardholder finds the same item they purchased within 60 days at a lower price. It also includes extended warranty on credit card purchases and travel assistance.

How Is Citi Simplicity Card Better Than Other Credit Cards?

Citi Simplicity Card is simply (I couldn't resist) one of the best 0% APR balance transfer credit cards available. It has a long intro rate, no annual fee and no late fees, but still manages to include prime shopping and travel benefits. The only caveat to consider is that it has a 5% balance transfer fee. 

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Available in 50 States and Washington, DC
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Late Payment Penalty
$0
Grace Period
23
Annual Fee
$0
No Annual Fee
Returned Payment Fee
$35
Minimum Interest Charge
$0.50
Foreign Currency Transaction Fee
3%
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Credit Score Range
700 - 850
850 300 700
Minimum Age
18
Customer Type
Personal
Credit Card Benefits
  • Fraud Liability
  • ID Theft Protection
  • Purchase Protection
  • Travel Assistance
Car Rental Insurance
Extended Warranty
Fraud Liability
Emergency Support
Cash Advance APR
(Variable APR)
15.49% - 25.49%
8% 27%
Purchases APR
(Variable APR)
15.49% - 25.49%
0% 29%
Balance Computation
daily balance (including current transactions)
Introductory Rate
0%
Balance Transfer APR
(Variable APR)
15.49% - 25.49%
8% 29%
Transfer Fee
5%
Transfer Fee Minimum
$5
Transfer Fee
5% or $5
Introductory Rate
0%
Intro APR period (months)
18

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