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. |
What Credit Score Is Required to Get the Citi Simplicity® Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 676
Average Approved Credit Score: 764
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 12/28/2023 | TransUnion | ||
| Approved | 12/28/2023 | Experian | ||
| Approved | 12/28/2023 | Equifax | ||
| Approved | 11/08/2023 | Equifax | ||
| Approved | 11/08/2023 | Experian | ||
| Approved | 11/08/2023 | TransUnion | ||
| Approved | 08/02/2023 | Experian | ||
| Approved | 01/17/2023 | Equifax | ||
| Approved | 04/14/2023 | Equifax | ||
| Approved | 04/14/2023 | Experian | ||
| Approved | 04/14/2023 | TransUnion | ||
| Approved | 02/09/2023 | Experian | ||
| Denied | 01/13/2023 | Not Provided |
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
No Rewards
Annual Fee
$0