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You are here: Home / Credit Cards / Citi Simplicity® Card Review

Citi Simplicity® Card Review

April 14, 2022 by Rob Berger

The Citi Simplicity® Card 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.

Citi Simplicity® Card
Learn More
Our Rating
4.0/5.0
Welcome Offer
None
Annual Fee
$0
0% on Purchases
12 Months
Rewards Rate
N/A
0% on Balance Transfers
21 Months

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

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

Rates & Fees

Annual Fee$0
Foreign Transaction Fee3% of the U.S. dollar amount of each purchase
Regular APR18.49% - 29.24% (V) APR

0% Intro APR

Balance Transfers0% Intro APR for 21 months on balance transfers, then 18.49% - 29.24%(V) APR after that.
Purchases0% 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 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

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

Related Articles

  • 10 Best Balance Transfer Credit Cards–No Interest Until 2024
  • 13 Best Interest-Free Credit Cards of March 2023 | 0% APR for up to 21 Months
  • 6 Best Citibank Credit Cards of 2023 (All are Free)

About Rob Berger

Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.

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About Allcards.com

Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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