Citi Simplicity Card is easy, but not cheap

By , CardRatings contributor
  • Google +
  • Twitter
  • Facebook

Our credit cards articles, reviews and ratings maintain strict editorial integrity and are independent of whether a card is an advertiser (they are neither commissioned by nor reviewed, approved or endorsed by issuers); however we may receive compensation through the issuers' affiliate programs when you click on links to products from our partners and get approved. See details on how we make money here.

Citigroup launched a revamped Citi Simplicity Card a credit card with an offer that aims to simplify the fees, rates and rules that create hassles for many cardholders.

The Simplicity card has these key features zero percent introductory APR for 21 months on balance transfers and on purchases. No annual fee - ever, no late fees - ever and no penalty rate - ever. You can access fast, personal help, 24 hours a day when calling about your card.

These features make the Citi Simplicity card ideal for people who want more flexibility in payment terms. It's being marketed toward busy people who want more straightforward terms from their credit card. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. But while it has its perks, Simplicity doesn't come cheap.

The catch

  1. No rewards. Those who enjoy rewards credit cards will need to look elsewhere.

Citi Simplicity Card

The primary benefit of the Citi Simplicity card is that it offers less complicated terms than many cards, which could be an attractive prospect to cardholders who have been surprised by unexpected fees or have run afoul of the fine print in their contracts. Citi Simplicity® Card has no late fees - a feature of only 5 percent of cards on the market today - and clear terms that Citi claims are easier to read and understand.


Be the first to comment!

Start Here

Search. Compare. Apply.

Featured Partner Cards