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.