Features

Who is the Citi Simplicity Designed For?

Citi Simplicity 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 people who have a large credit card debt blob or who plan to have one in the future; because it has the longest 0% APR intro rate available and is extremely forgiving when it comes to fees and penalties.

What are the Interest Rates for the Citi Simplicity?

The Citi Simplicity credit card lives up to its name when it comes to interest rates. It has the same standard APR of 13.24% to 23.24% (varies depending on creditworthiness) for purchases, balance transfers and cash advances. However, what really makes this card stand out is its 21-month 0% APR on both purchases and balance transfers: the longest 0% APR intro rate in the business. To boot, it has no penalty rates for cardholders who are late on payments.

What Are the Fees for Citi Simplicity?

The Citi Simplicity credit card not only offers a killer intro rate, it also has no annual fee and no late payment fee. However, it does have a 3% fee ($5 minimum) on foreign transactions and 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's Rewards Program Like?

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

What about Citi Simplicity's Signup Bonus?

Citi Simplicity doesn't have a signup bonus. Unless you count a 21-month 0% APR intro rate as a signup bonus, which you should.

Does the Citi Simplicity Have Any Other Benefits?

Citi Simplicity includes a set of prime shopping and traveling 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, worldwide car rental insurance and travel emergency assistance.

How Is Citi Simplicity Better Than Other Credit Cards?

Citi Simplicity 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 3% balance transfer fee. For instance, if your transfer $10,000 of credit card debt, you will have 21 months to pay for it interest free, but you first will have to pay $300 to process the transfer. In its defense, a balance transfer fee is standard for all major balance transfer cards with the exception of the Chase Slate credit card.

  • Card Type
    Balance Transfer
  • Customer Type
    Personal
  • Card Network
    Mastercard
  • Minimum Age
    18
  • Co-signing Allowed
  • Minimum Interest Charge
    $1
  • Returned Payment Fee
    $35
  • Foreign Currency Transaction Fee
    3%
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Purchases APR
    13.24% - 23.24%
  • Transfer Fee
    3% or $5
  • Balance Transfer APR
    13.24% - 23.24%
  • Intro APR period (months)
    21
js-table-filter bizname-citi-thank-you-preferred-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
13.24
js-table-filter restaurants-142
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1812

  • Every Purchase
  • Points
  • Restaurants
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.24%
Balance Transfer APR 13.24%
Intro APR period (months) 15
075
js-table-filter bizname-citi-simplicity
0
js-table-filter ccard-type-137
13.24
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-11
js-table-filter credit-required-116

Est. 1812

  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Purchases APR 13.24%
Balance Transfer APR 13.24%
Intro APR period (months) 21
006
js-table-filter bizname-citi-diamond-preferred
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
12.24
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-11
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1812

  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.24%
Balance Transfer APR 12.24%
Intro APR period (months) 21
006
js-table-filter bizname-citi-prestige-card
js-table-filter airlines-140
450
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
15.49
js-table-filter restaurants-142
js-table-filter travel-143
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 2006

  • Airlines
  • Points
  • Restaurants
  • Travel
  • No Foreign Transaction Fee
Annual Fee $450
Card Type Balance Transfer
Card Type Rewards
Purchases APR 15.49%
Balance Transfer APR 15.49%
006
js-table-filter bizname-citi-double-cash-card
0
js-table-filter ccard-type-222
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
13.24
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-140
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1812

  • Cashback
  • Every Purchase
  • No Annual Fee
  • 0% Introductory APR
Card Type Cash Back
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.24%
Balance Transfer APR 13.24%
Intro APR period (months) 18
006
js-table-filter bizname-citi-hilton-hhonors-reserve-visa
js-table-filter airlines-140
95
js-table-filter ccard-type-223
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
15.49
js-table-filter travel-143
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Airlines
  • Every Purchase
  • Points
  • Travel
  • No Foreign Transaction Fee
Annual Fee $95
Card Type Travel
Card Type Rewards
Purchases APR 15.49%
Balance Transfer APR 15.49%
006
Load More Products

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...

No reviews found.

Be the first to write a review for this company!

Write a Review

New Review for Citi Simplicity

Rate your experience:

Cancel