Citi Simplicity® Card — Review [2023]

Name: Citi Simplicity® Card — Review [2023]
Item: Citi Simplicity® Card
Rating: 4
Author: Alex Miller

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

Alex Miller

- Updated: May 9, 2023, 11:50am CDT

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 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 18.99% – 29.74%, 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

Citi Simplicity Card — Fees

Interest Rates
- 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 18.99% - 29.74%.
- Note that the intro APR on purchases is limited to 12 months from the date of account opening.
Balance Transfers
- 0% Intro APR for 21 months on balance transfers from date of first transfer. After that the variable APR will be 18.99% - 29.74%.
- 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.
Cash Advance APR
- 29.99% 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 tens of millions of travel points and miles, mainly through maximizing every opportunity to earn the most points possible on each dollar spent.