Citi Simplicity® Card

Citi Credit Cards is an Experian Partner

Citi Simplicity® Card Apply Now
  • 0% Intro APR

  • No Annual Fee

  • Balance Transfer

Recommended FICO® ScoreΘ Rating

Good - Exceptional

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  • Rewards

    N/A*

  • Annual fee

    $0

  • Intro APR

    0% for 21 months on balance transfers and 12 months on purchases

  • Ongoing APR

    14.74% - 24.74% (Variable)

  • Ongoing Balance Transfer APR

    14.74% - 24.74% (Variable)

Card details:
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 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. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
Rates and fees
Pros:
  • Intro APR for new cardholders
  • No annual fee, late fee or penalty interest rate
Cons:
  • No rewards
  • Foreign transaction fees

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

ΘCredit score is calculated based on FICO® Score 8 model, unless otherwise noted. In addition to the FICO® Score 8, we may offer and provide other base or industry-specific FICO® Scores (such as FICO® Auto Scores and FICO® Bankcard Scores). Your lender or insurer may use a different FICO® Score than FICO® Score 8 or such other base or industry-specific FICO® Score (if available), or another type of credit score altogether. Learn more.

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