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Citi Simplicity Card

Citi Simplicity Card
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!  Skip to our full review

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can apply here.
  • Highlights
    • 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
    0% for 12 months from date of account opening.
  • Regular APR
    15.99% - 25.99% Variable
  • Credit level
    Excellent and Good Credit
  • Low InterestLow Interest
  • Balance TransferBalance Transfer
  • Best Credit CardsBest Credit Cards
  • No Annual FeeNo Annual Fee
Fees
  • Annual Fee
    None
  • 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
Citi Simplicity Card 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.

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Editorial Note:

This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citi.