Citi Simplicity® Visa Card

Quick Card Summary

• No interest on purchases and balance transfers
• Direct access to customer service—no long waits on the phone
• Minimal fees—no annual fee, no late fees, no penalty rates, no over limit fees

Intro APR	Intro Applied To	Intro Period	Annual Fee	Rewards
0%	Purchases	18 mo.	$0	No
	Balance Transfers

Creditnet's Full Review

Introducing the new Citi Simplicity® Visa Card, 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® Visa 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® Visa 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.

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%
Intro Period:	18 mo.
Ongoing APR:	12.99% variable
Penalty APR:	n/a

Balance Transfer and Cash Advance Rates

Balance Transfers		Cash Advances
Intro APR✝ :	0%	Intro APR✝ :	n/a
Intro Period:	18 mo.	Intro Period:	n/a
Ongoing APR:	12.99% variable	Ongoing APR:	12.99% variable
Penalty APR:	n/a	Penalty APR:	n/a
Transfer Fee:	3%	Advance Fee:	5%
Min. Transfer Fee:	$5.00	Min. Advance Fee:	$10.00
Max. Transfer Fee:	n/a	Max. Advance Fee:	n/a
✝ Must initiate transfer:	Within 4 mo. of opening acct

Miscellaneous

Other Rates		Credit Line		Penalty Fees
Foreign Transaction Fee:	3%	Min:	n/a	Late Payment:	$0
Min. Interest Charge:	$0.50	Max:	n/a	Over the Credit Limit:	$0
				Returned Payment	Up to $35.00