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Read on to learn about a credit card that can help you save money with a 0% intro APR for 21 months!

Citi Simplicity® Card, get an intro APR period!


The Citi Simplicity® Card is a handy option with one of the longest 0% balance transfer offers in the market. You can get a 0% intro APR for 12 months on purchases and a 0% intro APR for 21 months on balance transfers. Plus, there are no annual fees and more to help you save and simplify your finances!


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Discover what other benefits you’ll have with the Citi Simplicity® Card!

No annual fee;
Contactless payments;
Online account management;
0% intro APR offer for balance transfers and purchases.

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In the bustling world of credit cards, the Citi Simplicity® Card stands out like a beacon of tranquility.

Its name echoes its mission: to offer cardholders simplicity amidst complexity. But what does this card truly hold for you?

Let’s unravel its features and see if it aligns with your financial aspirations.

Strengths and Special Offerings

  • No Late Fees, Ever: Missed a due date? With this card, you won’t be penalized. A breath of fresh air for those who occasionally forget!
  • Lengthy Intro APR Period: Enjoy an extended introductory APR on purchases and balance transfers. An ideal choice for big purchases or consolidating debt.
  • No Penalty Rate: Unlike many cards, your APR won’t skyrocket after a late payment, ensuring fewer financial hiccups.
  • Direct Access to Customer Service: No navigating through automated systems. Get directly in touch with a real person for assistance.
  • Digital Wallet Compatibility: Seamless integration with mobile payment systems like Apple Pay and Samsung Pay for swift and secure transactions.
  • Citi Identity Theft Solutions: A safeguard to assist you in case of identity theft, giving you added peace of mind.

Limitations to Consider

  • No Rewards Program: The simplicity comes at a price – you won’t earn any points, miles, or cashback on your expenditures.
  • Balance Transfer Fee: Though there’s an introductory APR for balance transfers, a fee is applicable for each transfer.
  • Foreign Transaction Fees: International travelers beware! Using this card abroad will attract additional fees.
  • High Regular APR: Once the introductory period lapses, the card’s APR can be on the higher side for some cardholders.

For those seeking clarity in their credit journey, the Citi Simplicity® Card presents a compelling proposition.

Its forgiving nature and absence of certain fees are its shining stars. However, if rewards are your pursuit, this may not be your card.

In essence, its value lies in its straightforwardness, ensuring fewer surprises in your financial narrative.

A Citi Simplicity Card application has a good chance of being approved if your credit score is at or above 700. This means your credit score must be quite high for you to be considered. Your annual income and existing debts will also influence your chances of getting the Citi Simplicity Card.

If you’re looking for a credit card with incredible features to help you save money on fees and APR, the Citi Simplicity® Card can be the best option for your finances! Therefore, with this card, you’ll be able to pay no APR for balance transfers for a long period, and there is no annual fee!

The Citi Simplicity® Card, issued on the Mastercard® network, is a terrific option for customers since it has a low introductory APR, no late fees, no penalty rate, and no annual cost.

Citi Simplicity® Card

Citi Simplicity® Card application

The Citi Simplicity® Card has an online/phone application that is easy to make. Know how to do it and get a fast response. Read on!

Are you not so sure about getting the Citi Simplicity® Credit Card? If that’s the case, you can get a different option! For example, you can try applying for the Upgrade Cash Rewards Visa® credit card!

With this Upgrade card, you’ll be able to get incredible cashback for your everyday purchases, and there is no annual fee!

Therefore, check out our post below to learn more about this card and see how the application process works!

Upgrade Cash Rewards credit card

Upgrade Cash Rewards Visa® application

You can apply for an Upgrade Cash Rewards Visa® in a couple of minutes without leaving your house to do it. Learn how to apply online for your new credit card.

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