Citi Simplicity® Card Review
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The Citi Simplicity® Card is a balance transfer card, offering 0% 21 months on Balance Transfers, which is one of the longest offers out there. It also offers 0% APR for 12 months on Purchases. It doesn’t charge late fees, and there is no annual fee. Other than that, there aren’t any rewards and not a lot of benefits. The balance transfer offer is the main reason to get this card. We dive into the details and your approval odds in this review.
Our Rating
4.0/5.0
Welcome Offer
0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening.
Annual Fee
$0
0% on Purchases
12 months on Purchases
Reward Rate
N/A
0% on Balance Transfers
21 months on Balance Transfers
>>Check Out This and Other Balance Transfer Credit Cards Here
Welcome Offer
N/A
Features & Benefits
Security | EMV Chip Enabled, Zero Liability, Alerts |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
Benefits | Free credit score access, Choose your due date, 24/7 customer service |
Travel Perks | None |
Rewards
Interest Rates & Fees
Annual Fee | $0 |
Foreign Transaction Fee | 3% |
Regular APR | 19.24% - 29.99 (V) APR |
Balance Transfers | 0% Intro APR for 21 months on balance transfers, then 19.24% - 29.99(V) APR after that. |
Balance Transfer Fee | Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min) |
Purchases | 0% Intro APR for 12 months on purchases, then 19.24% - 29.99 (V) APR after that. |
Pros & Cons
- No annual fee
- Excellent 0% Intro APR
- No welcome bonus
- No rewards
What Are the Best Alternatives?
Citi® Double Cash Card - 18 month BT offer
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0
Citi Custom Cash® Card
Rating
4.7
Rewards Range
1% - 5%
Annual Fee
$0
Chase Slate Edge
Rating
4.3
Rewards Range
N/A
Annual Fee
$0