Citi Simplicity Card

Citi Simplicity Card card art
Our Take

This card has no late fees and no annual fee. If you're looking for a card to use for everyday purchases, look here! 

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Learn Moreand find out how you can apply here


Annual Fee
Balance Transfer Fee
Either $5 or 5% of the amount of each credit card balance transfer, whichever is greater.
Cash Advance Fee
Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction Fee
3% of each purchase transaction in US dollars
Why We Like It:

"Low interest no late/annual fee"

Recommended Credit:
Excellent and Good Credit

Our Review

You're the perfect customer for Citi Simplicity if you want a no-fee credit card with a long 0% interest rate.

Wondering whether the Citi Simplicity is a better bet for you? Answer the questions below to find out:

  • Are you planning to make a big purchase from a store without a store loyalty program?
  • Are you looking to transfer a credit card balance to a 0% interest card?
  • Do you sometimes accidentally make late credit card payments?

If you answered yes, then Citi Simplicity is a good credit card to consider. If you're working to pay off credit card debt, the Citi Simplicity is a good bet. The Citi Simplicity's strength lies in its promotional period, which is among the longest and most generous industry-wide. If you are giving it everything you've got to pay down credit card debt, you'll find that you can save more money with the Citi Simplicity.

  • A low interest card that's simple, and secure.
  • Feel protected with EMV Chip Technology, Citi® Identity Theft Solutions and Zero Liability on Unauthorized Charges.
  • Simply say "representative" when you call, for quick personal help.

Intro APR


Balance Transfer Fee


Annual Fee


Foreign Transaction Fee




Learn Moreand find out how you can apply here

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