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: July 8, 2021

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

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.