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Citi Simplicity® Card

Intro APR
18 months*
Regular APR
12.99 - 22.99% (Variable)
Balance Transfer
18 months*
Within 4 mo. of opening acct
Expert Rating: 4.85 / 5 stars

Citi Simplicity® Card Summary

  • 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.

Creditnet's Full Review

The Citi Simplicity® Card from Citi, a Creditnet.com advertiser, is popular with consumers because it has one of the longest no interest periods on both purchases and balance transfers of all credit cards on the market. The following are just some of the features and benefits offered to cardholders:

0% interest on purchases for 18 months. Any purchase you make on your card from the date you open your account for 18 months is interest free. After that, your balance will be subject to an APR as low as 12.99% (determined based on your credit standing).

0% interest on balance transfers for 18 months. Transferring your balances from high-interest credit cards is simple. Just call the customer service number on the back of your card when you're ready to initiate the transfer. All balances transferred within your first four months will fall under this 0% promotion. After 18 months from the date of your first transfer, any balance remaining will be subject to an APR as low as 12.99% depending on your creditworthiness.

No annual fee. Pay $0 in annual fees on this card. Forever.

No late fees, no penalty rate. Although Creditnet always promotes responsible use of credit, which includes paying your bill on time and in full each month, it's nice to know that the Citi Simplicity® Card won't penalize you with late fees if you accidentally pay your bills late. Your interest rate stays the same, too—there is no such thing as a penalty rate with this card.

Generous credit line. What good is a credit card with a great balance transfer promotion if it comes with a tiny credit line? The Citi Simplicity® Card is generous with its credit line so you can actually take advantage of their 0% promo.

$0 liability on fraudulent, unauthorized charges. If your card is ever stolen and used fraudulently, you won't be liable for any of those charges. Simply call Citi and the fraudulent charges will be taken off your account right away.

Direct customer service available 24/7. Call Citi customer service any time with any questions you have regarding your cardmembership. No more spending your precious time listening to elevator music on the phone—you'll have direct access to a representative so help is always at your fingertips.

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

Creditnet's Expert Rating & Review

by on December 18, 2014

Expert Rating: 4.85 / 5 stars
Favorite Card Features:

This card boasts one of the longest no-interest periods for both purchases and balance transfers. And there's no annual fee, either.

Least Favorite Features:

No rewards program.

Our Final Take:

The Citi Simplicity® Card is a great card for anyone wanting to save on interest. True, there is no rewards program, but we consider the money saved over 18 months of no interest a reward in itself.

Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

Purchase Rates
Intro APR: 0% Credit Required: excellent
Intro Period: 18 months* Set Up Fee N/A*
Ongoing APR: 12.99 - 22.99% (Variable) Annual Fee $0*
Penalty APR: N/A
Balance Transfer
Intro APR✝: 0%
Intro Period: 18 months*
Ongoing APR: 12.99 - 22.99% (Variable)
Transfer Fee: Balance transfer fee applies with this offer; 3% of each balance transfer; $5 minimum.

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