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Citi Simplicity® Card

Staff Review

Do you want a basic credit card that makes it easy to pay off your debt? You'll love The Citi Simplicity® Card from Citi, a advertiser. This Visa credit card has no annual fee, no late fees, and no penalty fees. It comes with a very generous 0% introductory APR period for both your purchases and your balance transfers. Use this long window to transfer over high-interest debt from other cards and pay it down with no interest at all. Plus, you decide whether you want to pay your bills at the beginning, middle, or end of the month. The Citi Simplicity® Card comes with free perks to make your dollar go further. With the extended warranty, purchase protection, and price protection benefits, your purchases will be covered longer than store warranties and reimburse you if something goes wrong or a price drops. You also get free travel and emergency assistance. Your Citi Visa card has comprehensive fraud protection, but should your account become compromised, you will have zero liability. If you ever become a victim of identity theft, Citi will offer you specialized assistance. Customer service is always available for you by phone 24/7, and you can manage your account online at any time.

Citi Simplicity® Card
Citi Simplicity® Card

Citi Simplicity® Card


  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - Ever
  • No penalty rate - Ever
  • No annual fee - Ever
  • Save time when you call with fast, personal help, 24 hours a day.
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APRIntro Period Intro APRIntro Period
0%* 18 months* 0%* 18 months* 12.99% - 22.99%* (Variable) $0* Excellent Credit

*See the online application for more information about the terms and conditions for these  credit card offers. Every sound attempt has been made to preserve precise information. However all credit card information is presented without guarantee. After clicking on the offer you desire you will be taken to the credit card issuer's web site where you can review the terms and conditions for your selected offer.


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