Citi Simplicity Card Review

Citibank is no stranger to launching quality credit cards with excellent introductory rates, and it would appear they’ve done it again.  The Citi Simplicity, which you may have seen advertised on television, is now offering consumers the longest 0% intro rate available today–21 months on both purchases and balance transfers. And even though this card doesn’t carry a rewards program, it has a few other cool benefits as well.

Cardholders of the Citi Simplicity Card will receive a 0% intro APR on purchases and balance transfers for 21 months.  After the introductory period has expired, the interest rate will go up based on current rates and your credit worthiness.  The balance transfer fee is a standard 3% with a $5 minimum.

More Details: Compare this and other 0% balance transfer offers and apply online at

Another area where the Citi Simplicity outperforms the competition is with its perks.  All cardholders receive the following:

  • 0% Intro APR on Balance Transfers and Purchases for 21 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.
  • See complete Citi Simplicity® Card details

Most credit cards include a $35 or so fee for making late payments or going over your balance, but not the Citi Simplicity® Card.  This does not mean however, that you can make late payments frequently … simply that Citi can forgive a time or two.  Also important to note is that anytime you need assistance, you can call Citi using the number on the back of your card, punch in your account number and be connected to a live agent immediately.  No wasting time with automation.

Sometimes a name says it all, and the Citi Simplicity Card does exactly what you would expect.  This card is perfect for responsible credit card users looking to make interest free purchases (as well as take advantage of a balance transfer) for 21 months.

Compare these and other 0% balance transfer credit cards at

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Published or Updated: September 24, 2015

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