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Citi Simplicity Card

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  • No penalty for late payments or exceeding your credit limit
  • No late fees for making payments after their due dates
  • 0% Introductory APR for Balance Transfers for 18 months
  • 0% Introductory APR on purchases for 18 months

Rates & Terms

Purchase Intro APR Regular APR Annual Fee Balance Transfer Period
0% 12.99 - 21.99%* Variable $0 18 months
  • Purchase Intro Period: 18 Months
  • Balance Transfer Intro Rate: 0%
  • Balance Transfer Rate: 12.99 - 22.99%* Variable
  • Cash Advance Rate: 12.99% – 21.99%* Variable
  • Late Fee: None
  • Cash advance Fee: 5%, Min: $10
  • Balance Transfer Fee: 3%, Min: $5
  • Cash Advance Minimum: N/A
  • Balance Transfer Minimum: N/A
  • Credit Profile: Excellent Credit Score

Citi Simplicity Card Review

Balance Transfer Credit Cards exist to help people alleviate a debt situation.  Essentially, they allow you to transfer your entire card balance to a new credit card and not pay any interest for an extended period of time – with the Citi Simplicity Card, this time period is 18 months.  This means that if you think you will be able to pay off the debt that you have is 18 months or less, this is a great card for you to regain control over your credit. 

This card will provide a low APR after the introductory period (you have 4 months to transfer your balances, and then 18 months of no interest), and will also provide minimal fees for performing these functions.  It’s a great card to start getting out of debt.  Our only criticism would be that it doesn’t provide an extensive rewards program – but if you're looking for a credit card to simply help alleviate a debt situation, the Citi Simplicity card is right up there with the Discover It credit cards, and may be accepted more places.