Citi Simplicity® Card — Review [2020]
Full Disclosure: We may receive financial compensation when you click on links and are approved for credit card products from our advertising partners. Opinions and product recommendations on this site are ours alone, and have not been influenced, reviewed or approved by the issuer. Please see our Advertiser Disclosure for more details!
"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
Citi Simplicity 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 18 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 18 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 3% 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.
Citi Simplicity Card — Fees
- Annual Fee
- $0
- Interest Rates
- 0% Intro APR on purchases for 18 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 18 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
Travel prices are about to surge from pent-up demand.
Use this points strategy to lock in pennies-on-the-dollar pricing in 2021, all without being a frequent flyer...
How do I only pay $30 to go to Hawaii, $200 for business class to Asia or just $150 to Europe?
Discover the real-life strategies that anyone can use to enjoy limitless travel (even on a limited budget!)
Just sign up below and I’ll send you the Limitless Travel Playbook instantly:

We respect your privacy. Please view our privacy policy here.