Citi Simplicity® Card

Citi Simplicity® Card
  • 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 14.74% - 24.74%, 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
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, 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

Nav's Verdict

Cost
55% Complete
HighLow
Effort to Apply
10% Complete
DifficultEasy
Card Perks
40% Complete
PoorGood
Features
20% Complete
PoorGood

8/10

Bottom Line

A good card for those looking to buy some time before paying off a large purchase or an existing balance.

Pros

Long intro APR period on both purchases and balance transfers. Peace of mind with no late fees or a penalty rate.

Cons

No rewards on spending.

Intro APR
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.
Purchase APR
14.74% - 24.74% (Variable)
Annual Fee
$0
Foreign Transaction Fee
3%

Reviews

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