Citi Simplicity® Card

Pros & Cons

Pros

+No annual fee

Cons

–No purchase protection

Our Review

Simplify Your Debt Paydown with the Citi® Simplicity® Card

0% intro APR on purchases for 12 months and on balance transfers for 21 months
No annual fee—ever
No late fees or penalty APR, even if you pay late
Choose your payment due date to fit your cash flow
Balance transfer fee: 3% of each transfer (min $5) within first 4 months; 5% thereafter
3% foreign transaction fee on international purchases
Citi® Quick Lock lets you lock or unlock your card instantly

This card is purpose-built for smart borrowers who need time and flexibility to eliminate debt without worrying about fees piling up. With industry‑leading intro APR periods, forgiving payment policies and simple online tools, you’ll stay in control of your balances and credit health.

Terms apply. After intro periods, a variable APR of 18.24%–28.99% will apply. See Citibank for full details.

Terms & Conditions

Card Features

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