Citibank Simplicity Credit Card

Citi Simplicity® Card

Card Details

Signing Promotion

0% on purchases and balance transfers for 21 months

Reward Rate


Annual Fee


APR, Variable

Min APR: 12.99%, Variable
Max APR: 22.99%, Variable

Intro APR Promotions

0% on purchases and balance transfers for 21 months
Card Features
  • 0% Intro APR on Balance Transfers and Purchases for 21 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.
  • No late fee
  • No annual fee
  • 0% if you qualify for 21 mos on transfers
  • No rewards
  • Needs excellent credit

NerdWallet Review

Author: Kevin Cash
If you're looking to make the high-interest balance you're carrying more manageable, the Citi Simplicity® Card is one of the best balance transfer options to consider. It offers cardholders one of the longest introductory interest-free periods on the market and comes with a $0* annual fee, no late fees and no penalty APR. That alleviates some of the high costs that can add up with an outstanding credit card balance.

The Citi Simplicity® Card does come with some downsides. If you move a balance onto the card, you’ll pay a fee of $5 or 3% of the total amount transferred (whichever is greater), so that is a cost to consider. The Citi Simplicity® Card also doesn't come with rewards. But if you're revolving a relatively low balance, and interest charges continue to grow, this card might help you tackle your debt.

Interested in learning more? Check out our full editorial review.

Cardholder Reviews

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