Citi Simplicity® Card

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 a shorter term, of 12 months at 0% APR. After the intro periods are over, a regular rate of 16.24%–26.24% Variable will apply for both purchases and balance transfers.

This makes the Simplicity one of the best cards for paying off balances, although it’s not quite as good for new purchases.

There’s no annual fee, no late fees, and no penalty APR.

Card Quick Facts

Card Quick Facts

  • 0% intro APR on balance transfers for 21 months. After that, the variable APR will be 16.24%–26.24%.
  • 0% intro APR on purchases for 12 months. After that, the variable APR will be 16.24%–26.24%.
  • No late fees – ever.
  • No penalty rate – ever.
  • No annual fee – ever.
  • Free FICO® Score based on data from Equifax using the FICO® Bankcard Score 8 model
  • Save time when you call with fast, personal help, 24 hours a day.

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Card Details



This card does not offer rewards.
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 16.24%–26.24% Variable
Intro Purchase APR 0% for 12 months
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit $500
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee None
Returned Payment Fee Up to $35
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 21 months
Regular Balance Transfer APR 16.24%–26.24% Variable
Balance Transfer Fee 5%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 16.24%–26.24% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Fast Customer Service

    Call any time and just say “representative” to speak to a customer service representative more quickly than usual.

  • Choose Your Payment Due Date

    Pick the time of month you’d like to have your bills due.

  • Free FICO® Credit Score

    Get free access to your FICO® Score from Equifax, the key factors that affect it, and a personalized history graph.

  • Identity Theft Solutions

    Help dealing with and resolving issues of identity theft.

  • Zero Liability Fraud Protection

    You are not held responsible for unauthorized transactions on your card.

  • Extended Warranty Protection

    Eligible warranties of 5 years or less can be extended by up to an additional year; up to $10,000 per year.

  • Price Rewind

    If you made an eligible purchase in the U.S. that you find advertised at a cheaper price within 60 days, you can be reimbursed for the difference; up to $300 per item, $1,200 per year.

  • Travel and Emergency Assistance

    Provides help with emergencies, including legal and medical referrals.

  • Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision for eligible vehicles, as long as the car rental company’s own insurance is declined; up to $50,000.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 2 reviews
by Tony
Bad website

Website is difficult to navigate. Customer service is non existent. Had to reset password twice to finally sign on then website kept looping back. Unable to do anthing from website. Do not get this card.

by Ari
Say No to Citi Duplicity

There are plenty of invisible strings attached to the "Simplicity" card. You won't be charged a late fee for not paying by your due date, but Citi will freeze your credit and call to hound you until you pay double your monthly minimum payment. Your online account will read "in collection" and any phone calls to Citi will be met with chastisement and pressure to pay (even if you have already paid and are waiting for payment to post). When I sent a check to pay off my entire account balance, I had to call 13 times, go through the two-step verification process prior to speaking to someone, hear the lecture about a payment three days past due, and explain everything each and every time. I ended up speaking to more than 21 people, including 3 supervisors. The representatives gave me contradictory answers, rushed my call, and tried to brush me off or pass me on as soon as possible. I was given misinformation and false assurances. In contrast, I sent a check to pay off my Chase credit card at the same time and it took two phone calls and a total of two people to handle everything. I won't use my card again and strongly advise going with another company. There are many good cards out there; don't let the name "Simplicity" fool you. There's nothing simple about dealing with Citi.

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