Citi Simplicity Card Review – 0% Intro APR for 18 Months

The Citi Simplicity Card has no late payment fees and includes a 0% intro APR on purchases and balance transfers for 18 months. Here’s what you need to know.

citi simplicity 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® Card–No Late Fees Ever, which you may have seen advertised on television, is now offering consumers one of the longest 0% intro rate available today–18 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. We’ll also cover those in this Citi Simplicity review.

Cardholders of the card will receive a 0% intro APR on purchases and balance transfers for 18 months. After the introductory period has expired, the interest rate will go up based on current rates and your creditworthiness. The balance transfer fee is a standard 3% with a $5 minimum.

  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee…EVER
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 15.24% – 25.24% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The same great rate for all balances after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day–just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

Citi Simplicty® Card Rewards Program

Sorry but this section is closed. This credit card does not have a rewards program. Purchases you make will not generate any points or cash back. The lure and value in this card comes from excellent perks and pricing details.

Citi Simplicity® Card Pricing Details

No rewards program, no problem. The Citi Simplicity® Card–No Late Fees Ever offers some of the best pricing details in the industry. All new cardholders will receive a 0% intro APR on purchases and balance transfers for 18 months. After that, the variable APR becomes 15.24% – 25.24%. The cash advance APR is the same variable 15.24% – 25.24%, and there is no penalty APR. Your account is either open in good standing or closed.

There is no annual fee to own this card. But there are a couple of fees associated if you take advantage of a cash advance or balance transfer.

  • Balance transfer fee is $5 or 3% (whichever is greater).
  • Cash advance fee is $10 or 5% (whichever is greater).
  • Foreign transaction fee is 3%.

That last one is a bit of a bummer–a lot of good credit cards have made the choice not to charge foreign transaction fees but the Citi Simplicity® Card–No Late Fees Ever isn’t quite there yet. When making purchases out of the country, look to pull a card without an exchange fee.

Citi Simplicity® Card–No Late Fees Ever Perks

Another area where the Citi Simplicity® Card–No Late Fees Ever outperforms the competition is with its perks. For example, most credit cards include a late fee of $35 or more or a fee for going over your credit limit. The card doesn’t charge such fees. This does not mean however, that you can make late payments every single time. Citi could close your account if you’re missing payments month after month after month. 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.

Bottom Line

Think of the savings a card like this can provide. Use the balance transfer for 18 months and bring in $5,000 of credit card debt elsewhere. After the $150 fee is added (3%), you have a year and a half to pay the balance down interest free. You also have the ability to spend with this card for the same 18-month interest-free time period. This is the perfect card to use for a necessary home repair, the purchase of a new kitchen appliance or to simply use as your everyday card for the first 18 months.

Sometimes a name says it all, and this 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 18 months.

Citi Simplicity Card

Citi Simplicity Card

Intro APR

10.0 /10


9.5 /10

Customer Service

9.5 /10

Interest Rates

9.0 /10


  • Super Long 18 Month 0% APR
  • No Annual Fee
  • Low Ongoing Interest Rate
  • No Late Payment Fees


  • No Rewards Program
  • 3% Balance Transfer Fee

Topics: Credit Cards

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