The Ultimate Guide to Credit Cards
Monday, February 6, 2023

Citi Simplicity® Card

► 2023 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





  • 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 18.24% - 28.99%, 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 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
18.24% - 28.99% (Variable)
Excellent, Good Credit

Interest Rate

Annual Fee

Credit Needed

Our Ratings By Category

0% Balance Transfer
(Ranked #3 out of 19)
0% Intro APR
(Ranked #15 out of 29)
Best Overall
(Ranked #66 out of 148)
Excellent Credit
(Ranked #45 out of 63)
Good Credit
(Ranked #34 out of 56)

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