Citi Simplicity® Card
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As the name suggests, the Citi Simplicity Card keeps it simple. A great choice to help pay off credit cards with higher rates, it has a very long 0% introductory balance transfer period, with a solid purchase APR period. While it offers no rewards, it also comes with no annual fee, late fee, or penalty APR.
Citi is a Credit Card Insider advertiser.
Highlights & Features
Balance Transfers
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
| Intro Balance Transfer APR | 0% for 21 months |
| Regular Balance Transfer APR | 14.74% - 24.74% (Variable) |
| Balance Transfer Fee | 5%, $5 minimum |
Fees
| Penalty APR | N/A |
| Late Fee | None |
| Returned Payment Fee | Up to $40 |
| Additional Cards Annual Fee | N/A |
| Foreign Transaction Fee | 3% |
Cash Advances
Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.
| Cash Advance APR | 25.24% (Variable) |
| Cash Advance Fee | 5%; $10 minimum |
Card Benefits
PERKS
- Free Credit Score
SECURITY
- Zero Liability on Unauthorized Charges
SHOPPING
- Discount Portal
- Purchase Protection
Citi Simplicity® Card
Highlights
- 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
ABOUT THE ISSUER
Citi
Citi has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
Credit card issuer's websiteThe Citi Simplicity Card offers a long 0% introductory balance transfer APR for 21 months, which few other credit cards can match, and some general shopping and travel benefits.
Purchases will get 0% for 12 months. After the intro periods are over, a regular rate of 14.74% - 24.74% (Variable) will apply for both purchases and balance transfers.
This makes the Simplicity one of the best cards for paying off credit card balances and new purchases.
There’s no annual fee, no late fees, and no penalty APR.
