Pros & Cons
Pros
- Exceptional 0% balance transfer offer
- No annual fee
Cons
- No signup bonus
- Mediocre 0% offer on purchases
- No rewards
- High balance transfer fee
Citi Simplicity 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 |
Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% of the U.S. dollar amount of each purchase |
| Regular APR | 18.49% - 29.24% (V) APR |
0% Intro APR
| Balance Transfers | 0% Intro APR for 21 months on balance transfers, then 18.49% - 29.24%(V) APR after that. |
| Purchases | 0% Intro APR for 12 months on purchases, then 18.49% - 29.24% (V) APR after that. |
Note that balance transfers must be completed within the first 4 months of opening your account.
What Credit Score is Required to Get the Citi Simplicity® Card
Based on data we’ve collected from public forums, a credit score of 650 or higher is ideal. We have seen an approval with a score as low as 672, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.
| 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 |
What are the best alternatives?
If you can settle for an 18 month balance transfer, the are several balance transfer cards that also pay signup bonuses and cash back rewards. One of my favorites, and a card I've carried for years, is the Citi® Double Cash Card - 18 month BT offer
