The Ultimate Guide to Credit Cards
Monday, May 29, 2023

Citi Simplicity® Card Review

"If you're looking for a card with a long 0% intro rate on balance transfers, this is your card. However, its lack of a rewards program is a definite drawback for cardholders."
- Toby Sembower,
Advertiser Disclosure





  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.99% - 29.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening.
  • Stay protected with Citi® Quick Lock
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR Period 12 months on Purchases
0% Intro APR Period 21 months on Balance Transfers
18.99% - 29.74% (Variable)
Excellent, Good Credit

Additional Disclosure: Citi is a CardRates advertiser.

Interest Rate

Annual Fee

Credit Needed

Our Ratings By Category

0% Balance Transfer
(Ranked #3 out of 23)
0% Intro APR
(Ranked #17 out of 31)
Best Overall
(Ranked #66 out of 152)
Excellent Credit
(Ranked #43 out of 62)
Good Credit
(Ranked #33 out of 59)

Advertiser Disclosure is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across (including, for example, the order in which they appear). does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.

Alternatives to Citi Simplicity® Card

Be sure to visit the official website for Citi Simplicity® Card to learn complete details about its features and terms. If you’re not quite sure if Citi Simplicity® Card is right for you, we encourage you to check out these guides to popular alternatives:

Before applying for the Citi Simplicity® Card offer or any other offer, be sure you understand all fees, interest rates, and terms so you can make the best decision for your own financial goals.