Reviews
Citi Simplicity® Card review: a simple way to get rid of fees
The Citi Simplicity® Card review will tell you all you need to know about this credit card, designed to help you pay down your debts. Learn how you can avoid extra fees and save money with it!
Advertisement
Citi Simplicity® Card: enjoy a card with 0% intro APR for balance transfers and purchases
A credit card with no annual fee and a long 0% intro APR? That’s right, and you find all about it through the Citi Simplicity® Card review.
How to apply for Citi Simplicity® Card
Do you need a credit card to help you pay your debts? Keep reading to discover if you are eligible and how to apply for a Citi Simplicity® Card.
If you’re looking for a simple way to finance your next big purchase or consolidate your debts, keep reading!
- Credit Score: good- excellent;
- Annual Fee: $0;
- Regular APR: 0% Intro APR for 21 months on balance transfers from the date of the first transfer and 0% Intro APR for 12 months on purchases from the 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;
- Welcome bonus: Intro balance transfer fee of $5 or 3% of the transfer amount (whichever is greater considering balance transfers you make within 4 months from account opening);
- Rewards: None.
You will be redirected to another website
You’ll receive messages for less than 1 week, with a maximum of 1 message per day. You can unsubscribe anytime by replying STOP. By submitting this form, I confirm that I am 18+ years old and agree to the Privacy Policy and Terms and Conditions. I also provide my signature, giving express consent to receive informational messages via automated emails, SMS, MMS text messages, and other forms of communication. Message frequency may vary as part of our good-faith effort to respond to your inquiry. Message and data rates may apply. Text STOP to cancel. I understand that my consent to receive communications is not a condition of purchase and that I may revoke my consent at any time.
Advertisement
Citi Simplicity® Card: how does it work?
The Citi Simplicity® Card is great for paying down debts. It offers one of the most extended periods of 0% introductory balance transfers in the market (21 months).
However, after the period of 0% intro, APR on purchases has expired, and interest will be charged on balance transfers.
If you pay the entire balance (including any transferred balance) in full each month by the due date, you won’t have to worry about that. Balance transfers need to be done within four months of account opening.
Also, this credit card has no annual fee. That makes it an excellent choice for people who want to save some extra bucks.
Citi Simplicity® Card: should you get one?
Overall, this card is an excellent choice for people who want to avoid paying extra fees and paying down debts.
Let’s review the Citi Simplicity® Card’s pros and cons to help you decide if this card is for you.
Advertisement
Pros
- No Late Fees, No Penalty Rate, and No Annual Fee;
- 0% Intro APR for 21 months on balance transfers from the date of the first transfer and 0% Intro APR for 12 months on purchases from the 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 balance transfers completed within 4 months of account opening;
- Stay protected with Citi® Quick Lock.
Cons
- No rewards;
- High APR after the intro offer.
Advertisement
Credit score required
The Citi Simplicity® Card is only available to applicants with at least good credit scores.
Citi Simplicity® Card application: how to do it?
Did you enjoy the Citi Simplicity® Card review? Don’t miss our post about the application process. Keep reading!
How to apply for Citi Simplicity® Card
Do you need a credit card to help you pay your debts? Keep reading to discover if you are eligible and how to apply for a Citi Simplicity® Card.
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
Trending Topics
Ally Bank Mortgage review: how does it work, and is it good?
Don't get a loan before reading this Ally Bank Mortgage review. We'll cover everything from interest rates to customer service. Keep reading!
Keep Reading
Renting or buying a home: find out what is best for you!
Unsure about renting or buying a home? Check out this post to help make the decision easier. Read on to learn more!
Keep Reading
Applied Bank® Gold Preferred® Secured Visa® Card application: how does it work?
Learn more about the steps involved in applying for the Applied Bank® Gold Preferred® Secured Visa® Card online.
Keep ReadingYou may also like
United℠ Explorer Card review
Read our United℠ Explorer Card review and learn everything about this card. Earn miles and make the most of your next travel!
Keep Reading
Home Depot Project Loan review: how does it work and is it good?
Here is a Home Depot Project Loan review covering its pros and cons. Enjoy fixed low monthly payments and flexible rates!
Keep Reading
Flagstar Bank Mortgage review: how does it work and is it good?
This Flagstar Bank Mortgage review will uncover all this lender's details! Options with 0% to 3% minimum down payment and affordable loans.
Keep Reading