The main benefit to the Citi Simplicity Card is that it offers a 0% APR for 18 months on purchases and balance transfers. If you have higher interest balances to pay down, you can save a lot of money on interest by transfering your balances to this card and paying them down gradually. Keep in mind that a balance transfer fee of $5 or 3% of the transfer amount (whichever is greater) will apply. If you are transferring very large balances, the 3% fee could negate your savings. Also, if you consistently pay off your balances every month an everyday spending rewards card would be more valuable to you.
Ease of Reward Redemption
Perks & Features