Citi Simplicity® Card

Overview

The Citi Simplicity® Card offers a long 0% introductory APR for 21 months for balance transfers, which only a few other credit cards offer, and some general shopping and travel benefits.

Purchases will get 12 months at 0% APR.

See how this card compares to others in the Citi Simplicity Card vs the Citi ThankYou Preferred Card.

Key APRs & Fees

Annual Fee
$0
Regular Purchase APR
15.99% to 25.99% variable
Purchase Intro APR
0% for 12 months
Balance Transfer Intro APR
0% for 21 months
Balance Transfer Fee
$5 or 5% of the transaction, whichever is greater

Additional Info

Max Late Fee
None
Max Penalty APR
None
Foreign Transaction Fee
3% of the transaction value
Cash Advance APR
15.99% to 25.99% variable
Cash Advance Fee
$10 or 5% of the cash advance amount, whichever is greater
Smart Chip
Chip-and-Signature & Chip-and-PIN

Benefits

None

The Credit Level needs to Apply this Credit Card

Good

How to apply for the Citi Simplicity® Card

  1. Click "Apply" button.
  2. According to the requirements of the credit card official website, fill out the application form with information, such as your name, Social Security number, home address, income source, and total annual income.
  3. Review and submit your application.

What will happen if you click the "Apply" button?

  • Clicking the "Apply" button will take you to the official bank's website of the online application. And it will not leave any mark on your credit report.
  • Cards-expert.com only provides credit cards' information. All applications will be made on the banks' official websites, and our website will not record any your personal information.
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Card Review Comments

Aug 07, 2018

These card offers you o% interest for 18 months but good luck they will never do it again. I have great credit and this card has a 23% interest rate now, long gone are the days when you had great credit and low interest. I have called to receive better offers and their answer is always the same “ sorry we don’t have any offers now” is been two years. I use this card and pay it off in full. I have a better credit card, that i pay no international fees and i am always getting good balance transfer offers. Don’t fall for this card, do your homework there are better cards out there.

by User spanishguy1970

Sep 19, 2018

I was instantly approved for 5500 with CITI Simplicity card.  Couldnt be happier, really helped me out when I needed it, very clutch as Im making ttransitions between colleges and work.  I talked to customer service who were respectful and seemed helpful. 

by User jeffreybaks

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