Apply online for Citi Simplicity® Card
About Our Ratings

Our editor's take

Curtis Arnold Editor-in-chief
  • Google +
  • Twitter
  • Facebook
This card requires excellent credit to obtain but offers a longer than average 0% introductory APR on balance transfers and for purchases depending on credit rating. The card carries no late fees - ever, no penalty rate - ever and no annual fee - ever.
Curtis Arnold
Curtis Arnold

Citi Simplicity® Card details

Balance Transfer Intro APR
Balance Transfer Intro Period
18 months on Balance Transfers*
Purchase Intro
18 months on Purchases*
Purchase APR
12.99 - 22.99% Variable
Annual Fee

What Citi says about this card

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.

Credit Card Consumer Reviews:

  1. No reviews available for this card.   Be the first to review!

Write Consumer Reviews:

E-Mail will not be published

How do your cards stack up?

Compare your card starting here


About Our Ratings ×

Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers.

Advertisers in our database are highlighted, and advertisements include an option to apply using links on our site. CardRatings.com may be compensated by companies mentioned on the site when a user's application is accepted or approved by such companies.