Citi Simplicity® Card Review

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.

Citi Simplicity Card

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

SecurityEMV Chip Enabled, Zero Liability, Alerts
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsFree credit score access, Choose your due date, 24/7 customer service
Travel PerksNone

Rewards

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee3%
Regular APR19.24% - 29.99 (V) APR
Balance Transfers0% Intro APR for 21 months on balance transfers, then 19.24% - 29.99(V) APR after that.
Balance Transfer FeeIntro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min)
Purchases0% Intro APR for 12 months on purchases, then 19.24% - 29.99 (V) APR after that.

Pros & Cons

Pros
  • No annual fee
  • Excellent 0% Intro APR
Cons
  • No welcome bonus
  • No rewards

What Are the Best Alternatives?

Citi<sup>®</sup> Double Cash Card - 18 month BT offer
Citi® Double Cash Card - 18 month BT offer

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

Citi Custom Cash® Card
Citi Custom Cash® Card

Rating

4.7

Rewards Range

1% - 5%

Annual Fee

$0

Chase Slate Edge
Chase Slate Edge

Rating

4.3

Rewards Range

N/A

Annual Fee

$0

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