Citi Simplicity® Card

Citi Simplicity® Card

on Citibank's application

Citi Simplicity® Card

Citi Simplicity® Card

Citi Simplicity® Card

on Citibank's application

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Card details

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever

  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.

  • There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balance transfers completed within 4 months of account opening.

  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges.

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    N/A

  • Bonus offer

    None

  • Intro APR

    0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases

  • Ongoing APR

    APR: 18.24%-28.99% Variable APR

    Cash Advance APR: 29.49%, Variable

  • Balance transfer fee

    3% of each transfer (minimum $5) completed within the first 4 months of account opening, then 5% of each balance transfer; $5 minimum.

  • Foreign transaction fee

    3%

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual fee

$0

Annual fee

$0

Annual fee

$0

Regular APR

18.24%-28.99% Variable APR

Regular APR

17.74%-25.74% Variable APR

Rates & Fees

Regular APR

16.24%-26.24% Variable APR

Intro APR

0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases

Intro APR

0% intro APR on purchases for 12 months from the date of account opening

Intro APR

0% intro APR on Purchases for 21 billing cycles and 0% intro APR on Balance Transfers for 21 billing cycles for any balance transfers made in the first 60 days

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Kevin Cash

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

4.5

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Intro APR period

Cons
  • No rewards

  • No new cardholder bonus offer

  • Requires good/excellent credit

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 3% of each balance transfer ($5 minimum) on any balance transfers you make in the first four months. After that, you'll pay a 5% balance transfer fee ($5 minimum). 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.