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!


by Suzana Brito

10/09/2022 | Updated on 02/07/2023

Citi Simplicity® Card: enjoy a card with 0% intro APR for balance transfers and purchases

Citi Simplicity® Card
Read our Citi Simplicity® Card review! Source: Citi

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.

CITI logo

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 12 months on purchases (valid from the date of account opening) and 0% intro APR for 21 months on balance transfers (valid from the date of the first transfer); Then, the variable APR will be 18.49% – 29.24% based on credit worthiness (you’ll need to make balance transfers in 4 months of account opening); 29.74% variable APR for cash advances;
  • 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.
  • Terms apply.

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?

order in online store, shopping on internet, concept on virtual screen with hands typing on keyboard
See this card’s pros and cons! Source: Adobe Stock

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.



  • No annual fee;
  • 0% intro APR offer for balance transfers and purchases.


  • No rewards;
  • High APR after the intro offer.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

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!

Citi Simplicity® Card

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.

About the author

Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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