Citi Simplicity® Card Review

The card_name offers one of the longest 0% APR intro offers on balance transfers available today. On the downside, however, the balance transfer fee is high and the card comes with no rewards.

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
intro APR for 21 months on Balance Transfer

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.

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 a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved12/31/2018
690
Equifax
$1,500
Approved12/31/2018
713
Experian
$1,500
Approved12/31/2018
719
TransUnion
$1,500
Approved01/17/2023
709
Equifax
$4,000
Approved01/27/2019
650
Experian
$5,000
Approved01/27/2019
660
TransUnion
$5,000
Approved01/27/2019
720
Equifax
$5,000
Approved11/07/2021
760
Equifax
$14,600
Approved12/11/2022
834
TransUnion
$14,800
Approved02/09/2023
734
Experian
$10,000
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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