Citi Simplicity Card

Citi Simplicity Card
Dan's Rating: 3.5 / 5   
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Card Features

Fraud Protection
Concierge Service
Lost Luggage Coverage
Travel Accident Insurance
Car Rental Coverage
Apple Pay
Android Pay
Event Ticket Pre-Sale Access

The Sign-Up Bonus

  • This card does not have a welcome offer ­čÖü

Get These Perks

  •   Pay no annual fee on this card
  •   0.00% Intro APR for 18 months

Pros & Cons

  No annual fee
  0% APR for 18 months

  No rewards

What You'll PayMore fee details 

Annual Fee
No annual fee
Foreign Transaction Fees

Recommended Credit


Written by Amy 2 years ago

Best For...
This card shines as a balance transfer card, offering one of the longest 0% introductory rate available.

Review of the Citi Simplicity Card

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.

The Bottom Line
This is great card for consolidating higher interest rate balances and paying down your debt during the 18 month 0% interest introductory period.

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