The Ultimate Guide to Credit Cards
Friday, September 30, 2022

Citi Simplicity® Card

► 2022 Review, Application & Rates

"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

BEST OVERALL RATING

★★★★★

4.5

OVERALL RATING

  • 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 17.74% - 27.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
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
17.74% - 27.74% (Variable)
$0
Excellent, Good Credit

Interest Rate

Annual Fee

Credit Needed

Our Ratings By Category

0% Balance Transfer
(Ranked #2 out of 16)
★★★★★
4.9
0% Intro APR
(Ranked #11 out of 31)
★★★★★
4.6
Best Overall
(Ranked #62 out of 152)
★★★★★
4.5
Excellent Credit
(Ranked #40 out of 59)
★★★★★
4.5
Good Credit
(Ranked #36 out of 61)
★★★★★
4.5

Advertiser Disclosure

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