Is the Citi Simplicity Card right for you?| June 2018

Citi Simplicity® Card – June 2018 review

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Get a 0% intro APR on purchases and balance transfers for a stellar 18 months.

  • Get this card if… you want a long 0% APR period for purchases and balance transfers.
  • Pick something else if… you want cash back or travel rewards.
  • Recommended good to excellent credit range of 720 to 850.
Product NameCiti Simplicity® Card
Intro APR for Balance Transfer0% Intro APR for 18 months (with whichever is greater, $5 or 5% balance transfer fee)
Balance Transfer Rate (not intro)15.74% to 25.74% variable
APR for Purchases ( Purchase Rate )15.74% to 25.74% variable
Annual fee$0
Cash Advance Rate15.74% to 25.74% variable
Card TypeMastercard
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 23 days
Returned Payment Fee$35
Foreign Currency Conversion Fee (MC)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Minimum Interest$0.50
Minimum Credit ScoreGood (700-739)
Minimum Age18 years of age
Annual fee$0
Returned Payment Fee$35
Late Payment Fee$0
Cash Advance Fee$10 or 5% of the amount of each cash advance, whichever is greater

The basics

The Citi Simplicity® Card is, well, simple. It doesn’t have the bells and whistles of rewards cards. Rather, it just offers a solid intro APR of 0% for 18 months on purchases and balance transfers.

This could be the card for you if you’re looking to make purchases now and pay them off over a long time or want to get rid of debt you’ve accumulated from other credit cards. Another perk of the Citi Simplicity® Card is you’ll never be charged a fee if you pay late. You also won’t receive a penalty APR for being delinquent, which is quite a good deal if you miss payments occasionally. What’s more, there’s no annual fee.

The perks

  • INTRO APR: For purchases and balance transfers.
    Get a 0% intro APR on purchases and balance transfers for 18 months (after intro period, reverts to an APR between 15.74% to 25.74% variable).
  • No late fees and no penalty rate.
    With most other credit cards, paying late means you’ll pay a late fee of up to $40. Not so with theCiti Simplicity® Card — all late fees are waived, and you’ll never get hit with a penalty APR.
  • No annual fee.
    Pay $0 to use this card.

You’ll also like…

  • Purchase protection.
    Get extended warranties and Citi Price Rewind on your purchases.
  • Travel perks.
    Get complimentary car rental insurance and access to Citi’s travel and emergency assistance.

What to watch out for

  • Avoid returned payments.
    Making a returned payment could result in a fee as high as $0.
  • Balance transfer fees.
    You get an intro APR on balance transfers, but you’ll need to pay balance transfer fees.
  • Foreign transaction fees.
    When you use yourCiti Simplicity® Card overseas, you’ll incur a transaction fee.

Consider other cards if…

Compare other Citi credit cards

Rates last updated June 24th, 2018
Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
Citi® Double Cash Card
15.24% to 25.24% variable
Earn 1% cash back for payments on purchases, on top of the 1% cash back on purchases. No annual fee.
Citi ThankYou® Preferred Card
14.99% to 24.99% variable
0% Intro APR for 15 months (with whichever is greater, $5 or 3% balance transfer fee)
$0 annual fee for the first year ($0 thereafter)
Enjoy our low intro APR for 15 months on purchases and balance transfers.
Citi® Secured Mastercard®
23.99% variable
Start building credit for tomorrow with a secured credit card.
AT&T Access Card from Citi
15.49% to 24.49% variable
Get rewarded for purchases you're already making with the AT&T Access Card, a top rewards credit card from Citi. Apply for the AT&T credit card today and start earning ThankYou® Points redeemable for gift cards, travel rewards electronics and much more.
Citi Simplicity® Card
15.74% to 25.74% variable
0% Intro APR for 18 months (with whichever is greater, $5 or 5% balance transfer fee)
This is the only card with No Late Fees, No Penalty Rate and No Annual Fee - Ever. Give it a try and apply to find out what the Citi Simplicity® Card can do for you.
Citi Prestige® Card
17.24% to 25.24% variable
Complimentary 4th night stay at any hotel of your choice after a minimum 4-consecutive night booking through
Costco Anywhere Visa® Card by Citi
16.74% variable
Earn Costco cash rewards everywhere Visa® is accepted.
Citi® Diamond Preferred® Card
14.49% to 24.49% variable
0% Intro APR for 21 months (with whichever is greater, $5 or 5% balance transfer fee)
Lowest intro APR for 21 months plus VIP Access.
Citi® / AAdvantage® Executive World Elite™ Mastercard®
17.24% to 25.24% variable
Earn 50000 American Airlines AAdvantage® bonus miles after making $5,000 in purchases within the first 3 months of account opening.
Citi® / AAdvantage®  Platinum Select®  World Elite™ Mastercard®
17.49% to 25.49% variable
$0 annual fee for the first year ($99 thereafter)
Earn 60000 AAdvantage® bonus miles after you spend $3,000 in the first 3 months.
Citi ThankYou® Preferred Card for College Students
15.99% to 25.99% variable
Earn 2500 bonus points after spending $500 within the first 3 months of account opening.
Citi® / AAdvantage® Gold World Elite™ Mastercard®
17.49% to 25.49% variable
$0 annual fee for the first year ($50 thereafter)
Earn 25000 American Airlines AAdvantage® bonus miles after you spend $750 in purchases within the first 3 months of account opening.
Citi ThankYou® Premier Card
15.99% to 24.99% variable
$0 annual fee for the first year ($95 thereafter)
Enjoy Great Rewards and Earn ThankYou® Points on Dining, Entertainment, Travel and more

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What should I know before I apply?

Always consider your options and your financial situation before you apply for a credit card. To apply for theCiti Simplicity® Card, you must be at least 18 years old.

Information you’ll need

  • Your full name and contact information.
  • Your Social Security number and date of birth.
  • Your total annual income and monthly rent payment.

What credit score do I need?

You’ll have a better chance of being approved for theCiti Simplicity® Card if you apply with a good to excellent credit score of 720 or higher.

How to apply for the CCiti Simplicity® Card

1. Go to the Citi website and click Apply Now.
2. Complete the application form with your personal and financial information.

How long will it take to be approved?

Approval time depends on your credit profile and history. Typically, you can expect approval to take up to 10 days.

I got the card. Now what?

  • Making payments.
    Go to the Citi website and set up an account to pay your bill online. You can also enroll in autopay.
  • Avoiding interest payments.
    After the close of each billing cycle, you have a grace period of 23 days to pay your balance. If you do, you won’t pay interest on your purchases.
  • Avoiding fees.
    Returned payments come with hefty fees of up to $35.00. Balance transfers, cash advances and foreign transactions also come with fees.
  • Customer service.
    If you have questions, visit Citi’s Help Center online or call the Citi helpline.

Bottom line

If you’re looking for a long 0% APR period for purchases and balance transfers, look no further than theCiti Simplicity® Card. Compare Citibank® credit cards

Frequently asked questions

Megan Horner

As the assistant publisher of credit cards at, Megan is passionate about helping you compare and find the best credit cards for your situation, whether that is earning great rewards or improving your credit score. In her previous position, Megan worked as an assigning editor at Credit Karma, where she focused on editing and publishing educational articles on credit cards. Megan started her career as a writer at a comparison website, so she has a longstanding background in surfacing the best deals and helping people make decisions. In her spare time, Megan likes to hike, camp, surf, and read.

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2 Responses

  1. Default Gravatar
    MichaelJune 4, 2017

    If I open an account so I can trader balances for my wife who has high interest rates on her cards is that possible. I have a high credit score and she does not. We would like to reconcile all her cards on a new one with you company in my name (she can be a cardholder) but she doesn’t qualify on her own. I understand I would be presonally responsible for the full debt. But I just wanted to verify before applying.

    Cordially michael

    • finder Customer Care
      AnndyJune 18, 2017Staff

      Hi Michael,

      Thanks for your question.

      Unfortunately, Citi does not allow balance transfer between two people’s names. However, other credit card brands do. You may check your options on this page.


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