The Ultimate Guide to Credit Cards
Wednesday, May 25, 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





  • 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 15.49% - 25.49%, 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.
  • The standard variable APR for Citi Flex Plan is 15.49% - 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • 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
15.49% - 25.49% (Variable)
Excellent, Good Credit

Interest Rate

Annual Fee

Credit Needed

Our Ratings By Category

0% Balance Transfer
(Ranked #2 out of 17)
0% Intro APR
(Ranked #13 out of 33)
Best Overall
(Ranked #61 out of 154)
Excellent Credit
(Ranked #39 out of 60)
Good Credit
(Ranked #36 out of 62)

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