Simplicity®
The Bottom Line
2.8
BIG4CREDIT RANKING
Our 5-star rating is based on Big4credit’s independent, data-driven scoring system.
Each card is evaluated across multiple weighted categories – including rewards,
fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
Ratings are determined solely by our research and analysis and are never influenced
by card issuers or advertisers. Read about our ranking system in the
Credit Card Ranking & Methodology section.
The Citi Simplicity® Card is a straightforward option for people who want extra time to pay off balances without worrying about fees. It offers a 0% intro APR for 21 months on balance transfers (if completed within 4 months of account opening) and 12 months on purchases, followed by a variable APR. There’s no annual fee, no late fees, and no penalty APR, making it especially helpful if you need flexibility while managing debt. While it doesn’t earn rewards, its long intro APR and fee-friendly terms make it a practical choice for anyone focused on paying down balances with less stress.
Simplicity®
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On Citi's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 12 months
Balance Transfers: 0%, 21 months
Regular APR
17.49% - 28.24% Variable APR
Credit Score
670-850 (Good/Excellent)
Rewards N/A
N/A
Welcome Offer N/A
N/A
Fees and APR
- Annual Fee: $0.
- 0% Intro APR on Purchases: For 12 months from account opening.
- 0% Intro APR on Balance Transfers: For 21 months from account opening on balance transfers completed within the first 4 months.
- Regular APR: After the introductory period, a variable APR of 17.49% - 28.24% applies to purchases and balance transfers.
- Paying late won’t raise your APR.
- Intro Balance Transfer Fees: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 4 months.
- Regular Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
- Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
- Late Payment: No fee if you miss a payment.
Additional Features
- Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.
- Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
- Flexible Payment Options: Choose a payment due date that works for you - whether it’s at the beginning, middle, or end of the month - and decide whether to pay your balance in full or just the minimum due.
- Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.
- Mastercard® ID Theft Protection™: Get help detecting and resolving identity theft with 24/7 monitoring and expert support.
- Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
- 24/7 Customer Service: Get help anytime with round-the-clock customer support whenever you need it.
Terms and Conditions
Click Apply Now to see the terms and conditions.