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Citi Simplicity® Card — Review [2025]

Jarrod West's image
Jarrod West
Updated: 
Edited by: Kellie Jez
& Jessica Merritt

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Citi Simplicity® Card

Citi Simplicity® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs 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.
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  • None

  • $0

  • 0% Intro APR for 21 months on balance transfers and 0% Intro APR for 12 months on purchases. After that the variable APR will be 18.24% - 28.99%, Note that the intro APR on purchases is limited to 12 months from the date of account opening.

Citi Simplicity® Card

The Citi Simplicity card is a good option for anyone looking for a low intro APR on balance transfers and new purchases.

U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs 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.
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon4
Summary

The Citi Simplicity card is a great option for those seeking a 0% introductory APR offer on balance transfers and new purchases with no annual fee.

Card Details

Card Snapshot

Welcome Bonus & Info

  • 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 18.24% – 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening.
  • Stay protected with Citi® Quick Lock
Pros & Cons

Pros

  • Great 0% introductory APR offer on new purchases and balance transfers
  • No annual fee
  • No late fees

Cons

  • Does not earn rewards
  • Does not offer many benefits
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Great Card If

  • You’re looking for a 0% introductory APR card on balance transfers and new purchases.
  • You want a card with no annual fee.

Don’t Get If

  • You want a card that earns rewards.

Citi Simplicity Card — Is It Worth It?

If you’re looking for a card that offers a long 0% introductory APR period on balance transfers and new purchases, the Citi Simplicity card is definitely worth considering.

Though it doesn’t offer any rewards, it doesn’t charge an annual fee, late fees, or a penalty rate. And it even lets you choose your due date. The card is a great option for anyone looking to pay down existing credit card debt or finance an upcoming large purchase without accruing interest.

Citi Simplicity Card Top Benefits

  • 0% Intro APR for 21 months on balance transfers and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.24% - 28.99%
  • No annual fee, no late fees, and no penalty rate

Alternative Cards to the Citi Simplicity Card

Wells Fargo Reflect® Card

The Wells Fargo Reflect card is another great card because it offers a lengthy introductory APR window of 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then a variable APR of 17.24%, 23.74%, or 28.99%. Like the Citi Simplicity card, the Wells Fargo Reflect card does not earn any rewards but offers cell phone protection as a benefit.

Chase Freedom Unlimited®

If you want the best of both worlds by having a card that offers 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.. It also earns rewards, and does not charge an annual fee, then the Freedom Unlimited card might be for you.

It earns 5% back on travel purchased through Chase Travel, 3% back on dining and drugstore purchases, and an unlimited 1.5% back on all other purchases. It also offers perks including rental car insurance, purchase protection, and extended warranty protection.

Frequently Asked Questions

Does the Citi Simplicity card earn rewards?

No, the Citi Simplicity card does not earn any rewards.

Is it hard to get approved for the Citi Simplicity card?

That will depend on various factors, including your credit score, income, years of credit history, outstanding balances, and history with Citi. Generally speaking, the Citi Simplicity card is not difficult to be approved for, provided you have a reasonably high credit score.

What are the benefits of the Citi Simplicity card?

The main benefit of the Citi Simplicity card is its 0% introductory APR on balance transfers and new purchases. This makes the card a great option for those looking to pay down existing debt on another card or have a large purchase coming up that they’d like to pay off slowly without accruing interest in the meantime.

How long are the 0% introductory APR offers on the Citi Simplicity card?

The exact number of months can vary, but at the moment, the 0% introductory APR offers for the Citi Simplicity card are 0% Intro APR for 21 months on balance transfers and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.24% - 28.99%.

Does the Citi Simplicity card have an annual fee?

No, the Citi Simplicity card does not have an annual fee.

Jarrod West's image

About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 8 years. He earns and redeems over 1 million points per year, and his work has been featured in outlets like The New York Times.

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