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/AFeatures & 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 a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 12/31/2018 | Equifax | ||
Approved | 12/31/2018 | Experian | ||
Approved | 12/31/2018 | TransUnion | ||
Approved | 01/17/2023 | Equifax | ||
Approved | 01/27/2019 | Experian | ||
Approved | 01/27/2019 | TransUnion | ||
Approved | 01/27/2019 | Equifax | ||
Approved | 11/07/2021 | Equifax | ||
Approved | 12/11/2022 | TransUnion | ||
Approved | 02/09/2023 | Experian |
- 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
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