Citi Simplicity® Card Review

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Citi Simplicity® Card Review

U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

"No Late Fees, No Penalty Rate, and No Annual Fee... Ever"

The information regarding the Citi Simplicity® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer

Card Snapshot

  • Welcome Bonus & Info (Partner Content)
    • No Late Fees, No Penalty Rate, and No Annual Fee… Ever.
    • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 14.74% – 24.74%, based on your creditworthiness.
    • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 14.74% – 24.74%, based on your creditworthiness.
    • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
    • 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.
  • Card Type:
    Credit Card

Card Fees

  • Annual Fee
    • $0
  • Interest Rates
    • 0% Intro APR on purchases for 12 months from date of account opening.
    • After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
  • Balance Transfers
    • 0% Intro APR on balance transfers for 21 months from date of first transfer.
    • All transfers must be completed in first 4 months.
    • 14.74% - 24.74% Variable
  • Cash Advance APR
    • 25.24% Variable
Alex Miller

About Alex Miller

Alex has been traveling for over 25 years and from a young age was lucky enough to set out on numerous family trips all over the world, which gave him the travel bug. Alex has since earned millions of travel points and miles, mainly through maximizing credit card sign-up bonuses and taking every opportunity to earn the most points possible on each dollar spent.

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