Citi Simplicity® Card Review

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Our Detailed Review of This Card

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The Citi Simplicity® Card by Citi (a NextAdvisor advertiser) offers the longest 0% intro APR period for balance transfers of any card we’ve found.

Featuring a lengthy 21-month 0% intro APR on balance transfers made within the first 4 months and a 12-month 0% intro APR on purchases, it’s perfect for anyone who wants to save money by transferring balances from other high-APR credit cards onto this one. The Citi Simplicity® Card is also a great choice for anyone who wants to make purchases for the next year without paying a dime of interest. And after the interest-free months are up, the card’s post-intro APR is very reasonable at 14.74% - 24.74% (Variable), depending on your creditworthiness. There is a 5% balance transfer fee ($5 minimum) to consider, which is higher than the fees charged by our other top-rated cards, but depending on how long you need to pay down that balance, it could be worth it.

Unlike other credit cards, the Citi Simplicity® Card charges no late fees or penalty rates, which is ideal if you’re someone who sometimes forgets to pay on time. On top of that, the card has automatic email and text alerts for when payments are due or if you exceed your credit limit, so you can stay in the know with your account. It also will monitor your balance levels and send you a notification when it hits certain thresholds. Plus, the Citi Simplicity® Card also includes free monthly Equifax FICO® Scores.

If you’re looking for an incredibly long 0% intro balance transfer APR period (21 months!), a nice 0% intro APR period on purchases (12 months) and reasonable ongoing APRs as well as great added benefits like no late fees or penalty rates and no annual fee, the 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 a year on new purchases and close to two years on your transferred balance.

Fees and APR

  • Annual Fee: $0
  • Foreign Transaction Fee: 3%.
  • Purchase APR: 0% for 12 months on Purchases, then 14.74% - 24.74% (Variable).
  • Balance Transfers APR: 0% for 21 months on Balance Transfers, then 14.74% - 24.74% (Variable).
  • Balance Transfer Fee: 5% of each balance transfer; $5 minimum.
  • *Additional details can be found on the Citi landing page.
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Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.