Citi Simplicity® Card

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Citi Simplicity® Card logo.

Citi Simplicity® Card

Rated 4.53 out of 5 stars, 932 reviews

Recommended FICO® ScoreΘ

Good - Exceptional

Annual Fee:

$0

Intro APR:

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

Ongoing APR:

19.24% - 29.99% (Variable)

Ongoing Balance Transfer APR:

19.24% - 29.99% (Variable)

  • 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 19.24% - 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Stay protected with Citi® Quick Lock
  • Intro APR for new cardholders

  • No annual fee, late fee or penalty interest rate

  • No rewards

  • Foreign transaction fees

See all Citi Credit Cards‘ offers

Review Snapshot

Opinions are provided by Experian users that are actual credit card customers and do not reflect the views of Experian or the lender.

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ΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.

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