Citi Simplicity®

Citi Simplicity® Review: Credit Cards

Credit Card
 
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Rating:
Bottom Line:
Citi's 21-month 0% intro purchase and balance transfer APR period is the longest of any card, no late fees
Full Review:
5 2015-07-16 09:21:31 Citi Simplicity® (a NextAdvisor advertiser) is one of our favorite credit cards. Its unique combination of a 21 month 0% introductory APR and no late fees or annual fee make it a compelling value.

Unlike other credit cards, Citi Simplicity® Card does not charge late fees, a nice feature for those that sometimes forget to pay on time. Plus it has automatic account alerts, letting you set up email and text notifications for when payments are due or you exceed your credit limit. It also will monitor your balance levels and alert you when it hits certain thresholds.

Citi Simplicity® Card features an incredibly lengthy 21 month 0% introductory purchase and balance transfer APR, the longest 0% intro APR period of any card we've found. This feature makes it ideal for those who want to use the card for a big purchase or to transfer balances from other high interest rate credit cards. The 21-month 0% APR period can help you pay down your balance over time without worrying about accruing interest fees.

Card perks include the Citi Price Rewind service, which will look for a lower price on something you bought with your Citi card at retailer sites for up to 60 days after the purchase date. If a lower price is found, you can be refunded the difference between what you paid and the lower price - up to $300 (max. $1,200 annually). This service is particularly helpful for big-ticket items, giving you piece of mind that you got the best price. Additional card extras include car rental insurance and travel assistance.

If you're looking for the longest possible 0% intro APR (21 months!), reasonable ongoing APRs and a great added benefit like no late fees, Citi Simplicity® Card is the way to go. We highly recommend it, particularly for consolidating balances from other high-interest cards or if you want to pay no-interest for over 1.5 years on new purchases.

Highlights
  • 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.

Fees and APR
  • No annual fee.
  • 0% Intro APR: 0% introductory APR for first 21 months, then purchase APR.
  • Purchase APR: 12.99% - 22.99% variable (Tier 1: 12.99%, Tier 2: 15.99%, Tier 3: 18.99%, Tier 4: 20.99%, Tier 5: 22.99%), depending on creditworthiness.
  • Balance Transfers: 0% APR for 21 months, then Purchase APR. Balance transfer fee is $5 or 3% of the amount of each transfer, whichever is greater.

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This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citi.

 
Card Details:

Purchase APR:0% for first 21 months,
then 12.99% - 22.99% (V)*
Features:Save money with a 0% intro APR on purchases and transfers, no late fees
Annual Fee:$0*
Credit Needed:Excellent

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