Citi Simplicity® Card

Citi Card cardholder have the opportunity to get a 0% Intro APR for 12-month for purchase and a 21-month 0% Intro APR for balance transfer from the 1st transfer

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


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


Note: Credit Card summary is for informational purposes only and is not an endorsement of the product. Products and services described are offered by third parties and not Bright Money or its partner banks. Bright Money strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider, or specific product’s site and the information has not been reviewed or provided by the issuer of the product before publication.

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