The Ultimate Guide to Credit Cards
Wednesday, October 21, 2020

Citi Simplicity® Card

► 2020 Review, Application & Rates

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

BEST OVERALL RATING

★★★★★

4.7

OVERALL RATING

4.7/5.0
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% intro APR offers on both purchases and balance transfers (balance transfer fee applies)
  • Choose a payment due date that works best for you — beginning, middle, or end of the month
  • Stay protected against identity theft with Citi® Identity Theft Solutions
  • $0 liability on unauthorized charges
  • 24/7 access to customer service representatives - save time, just say "representative" when you call, to enjoy fast, personal help
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 18 months
0% for 18 months
14.74% - 24.74% Variable
$0
Excellent/Good

Interest Rate

Annual Fee

Credit Needed

Ratings By Category

0% Balance Transfer
(Ranked #1 out of 16)
★★★★★
4.9
0% Intro APR
(Ranked #15 out of 30)
★★★★★
4.6
Best Overall
(Ranked #20 out of 105)
★★★★★
4.7
Excellent Credit
(Ranked #21 out of 38)
★★★★★
4.7
Good Credit
(Ranked #14 out of 48)
★★★★★
4.7

Advertiser Disclosure

The credit card offers that appear on this site are from credit card companies from which CardRates.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CardRates.com does not include all credit card companies or all available credit card offers.