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Citi Simplicity® Card

This card is great for: people that need a good offer for balance transfers and a low APR, with the Citi Simplicity Card's long introductory offer, this card is a perfect fit.

Sign-up Bonus: N/A

Credit Card Suitable for: Balance Transfer, Low Interest, No Annual Fee

Minimum Credit Score


0% for 12 months

Purchase APR

15.99% - 25.99% (Variable)

Balance Transfer Intro APR

0% for 21 months

Balance Transfer APR

15.99% - 25.99% (Variable)

Annual Fee


Balance Transfer Fee

5% (min $5)

  • This card has no annual fee, no late fees, and no penalty rate.
  • Introductory offer of 0% APR on balance transfers for 21 months from the date of first transfer. All transfers must be completed in the first 4 months. After that, the variable APR will be 15.99% - 25.99%, based on your credit.
  • Introductory offer of 0% APR on purchases for 12 months from opening your account. After that, the variable APR will be 15.99% - 25.99%, based on your credit.
  • If you use these offers and transfer a balance, after the 0% intro offer expires, both new purchases and unpaid balances will automatically accrue interest until all balances are paid in full.
  • The balance transfer fee is 5% or $5, whichever is greater.
  • You can set up your own bill payment schedule on any available due date throughout the month.
  • 24 hours a day help from Citi's representatives when you call.

Citi Simplicity® Card
3.6 / 5 Reviewer
Rewards Rating0
Balance Transfer Rating4.9
Interest & Charges Rating4.8
Card Application Rating4.5

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