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Citi Simplicity® Card

Credit needed
Excellent, Good
14.74% - 24.74% (Variable)
Annual Fee

Card Summary

Citi Simplicity Card cardholders have the opportunity to enjoy a 0% Intro APRS for 12 months for purchases starting at account opening, and a 21-month 0% Intro APRS for balance transfers beginning at date of first transfer.

The APR for balance transfers is between 14.74% and 24.74% (variable).

The annual fee is $0 and there are also no penalties or late fees.

Benefits for cardholders include: identity theft support and zero dollar liability on unauthorised charges.

Card Summary - Cons

Rates and fees

Issuer Name
Penalty APR
Credit Needed
Excellent, Good
Balance Transfer Fee
This offer includes a balance transfer fee of 5% on each transfer, $5 minimum.
Annual Fee
Cash Advance Fee
Cash advances are subject to a 5% cash advance fee; minimum $10.
14.74% - 24.74% (Variable)
Foreign Transaction Fee

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The Best Features

Zero percent Intro APR: Citi Simplicity Cards offer a 0% Intro Rate for purchases for twelve months from the date of account opening, and a 21-month 0% Intro rate for balance transfers starting at the date of your first transfer.

The standard APR thereafter is between 14.74% and 24.74% (variable). Citi Simplicity Card has a 21-month balance transfer introductory period. This allows you to repay balance transfers faster at 0% than cards with introductory periods of 12 and 15 months.

Annual fee waived: Card Holders do not have to pay an annual fee.

Late fees and penalty rates not applicable: A late payment will not result in a late charge or penalty APR.


Sign up bonus

APR Requirements


Transfer balance fee: To transfer a balance, you will need to pay a fee.

Fees for balance transfers are 5% or $5.

There are no rewards with the Citi Simplicity Card.


There are no late fees, penalty rates, or annual fees. Every single day from the date of your account opening, 0% Intro Annual Percentage Rate (APR) for balance transfers for 21 months. 0% Intro for purchases for 12 months.

Based on creditworthiness, the variable APR thereafter will range from 14.74% to 24.74%. You must complete balance transfers within four months after account opening.

Balance transfer fees are either $5, or 5% depending on the transfer amount.

Based on creditworthiness, the standard variable APR of Citi Flex Plan is between 14.74% and 24.74%. Citi Flex Plan offers may be made at Citi's sole discretion.

Citi Quick Lock protects you and prevents you from being charged with unauthorized charges.


Comparative Analysis with Other Cards

Maximizing Rewards

Annual Fees



No late fees. Reduced interest charges. Pay off