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Citi Simplicity® Card — Review [2021]

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

Learn More (at Citi's secure site)

Alex Miller

- UPDATED: October 5, 2021

Citi Simplicity Card — Snapshot

Welcome Bonus & Info (Partner Content)
- 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 14.74% – 24.74%, 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 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 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.
- Ongoing APR: 14.74% - 24.74% Variable
- Fee: There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
Cash Advance APR
- 25.24% Variable

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.