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Apply online for Citi Simplicity® Card
About Our Ratings

Our editor's take

 CardRatings Managing Editor
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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
CardRatings Editor

Citi Simplicity® Card details

Balance Transfer Intro APR
0%*
Balance Transfer Intro Period
18 months on Balance Transfers*
Purchase Intro
APR:
0%*
Period:
18 months on Purchases*
Purchase APR
12.99 - 22.99% Variable
Annual Fee
$0* 

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.

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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.

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