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 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.

  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.

  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

  • 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 on Purchases and Balance Transfers for 18 months

  • Ongoing APR

    APR: 14.74% - 24.74% Variable APR

    Cash Advance APR: 25.24%, Variable

  • Balance transfer fee

    3% 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

$95

Annual Fee

$0

Regular APR

14.74% - 24.74% Variable APR

Regular APR

15.99% - 22.99% Variable APR

Regular APR

15.49% - 25.49% Variable APR

Intro APR

0% intro APR on Purchases and Balance Transfers for 18 months

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 15 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Kevin Cash

Rating details

4.9

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. 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.