Citi Simplicity® Card: review

The Citi Simplicity card is a no-frills, no annual fee card that is best utilized for balance transfers during the introductory 0% APR period. 

This card remains a great option for consumers seeking a long-term balance transfer card or those with plans to make a large purchase.

Pros & Cons

Pros

• No late fees
• No penalty APR
• No annual fee
• Intro APR offer on purchases and balance transfers
• Purchase protection

Cons

• High regular APR
• No rewards program

Rates, fees & offers

• Annual fee: $0
• Bonus offer: N/A
• Intro APR: 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
• Ongoing APR
  APR: 14.74% – 24.74% Variable APR
  Penalty APR: None
  Cash Advance APR:  25.24%
• Balance Transfer Fee: 5% of each balance transfer; $5 minimum
• Foreign transaction fee: 3%

Review

Balance Transfer Credit Card Benefits

Take advantage of a 0% intro rate on credit card purchases and balance transfers when you open an account. Plus, enjoy no late fees, no penalty rate and no annual fee* – ever. Apply for the Citi Simplicity® credit card today and experience all the benefits it has to offer.

• 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
• 0% Intro APR for 21 months on balance transfers from date of first transfer. 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.

Protection

• Citi Identity Theft Solutions: Cardholders have access to Citi’s specialized solutions team in the case of identity theft.
• Purchase protection: Cardholders are protected against unauthorized charges on the account with $0 liability.

Convenience

• 24/7 customer service: Access to live help from customer service.
• Automatic account alerts: Cardholders can stay informed in real-time with automatic alerts regarding balance levels, payments due, credit limit information and more by email or directly on a mobile phone.
• Choose the due date: Cardholders can choose to pay their bill on any available due date in the beginning, middle or end of the month.
• Digital Wallet: Store the card digitally on a mobile device with the card’s digital wallet capability.
• Tap Your Card with Contactless Pay: Shop safely with a contactless-chip enabled card. Just tap your card on the payment reader and go in seconds.

How to request this card

Applying for a credit card is very simple and you can do it through the app or website. But you need:

• Social Security Number
• Gross income
• Employer name (if applicable)
• Rent/mortgage amount

Did you like this card? Click on the button below and get yours right now.