Citi Simplicity


(0 reviews)

Annual Fee: $0

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Advertiser Disclosure

Welcome Offer
No Interest for 18 Months

Enjoy 0% APR for 12 months on Balance transfers and purchases

Late Fees
Never be charged for a late fee
Annual Fee
No annual fee for this card
Personal Service
Speak to someone, not something, anytime you call.
Introductory APR
No Intro APR on purchases for 18 months

Real opinions always: At Seek Capital, our goal is to provide content that helps you make informed financial decisions. All products featured here are from our partners. That said, our business relationships do not affect our evaluations. Opinions are of the writer alone.

Rewards Highlights

  • No Late Fees
  • No Annual Fee
  • 0% Introductory Purchase APR for 18 Months
  • 0% Introductory Balance Transfer APR for 18 Months

Card Overview

The Citi Simplicity is an amazing credit card for Shopping, Dining and Gas. When you sign up for this credit card, you get No Interest as a welcome offer with an annual fee of $0. The foreign transaction fee on the Citi Simplicity is 3%. In order to get approved for this credit card, you should have a good credit rating.

The Citi Simplicity is also amazing for having for No Late Fees, No Annual Fee, 0% Introductory Purchase APR for 18 Months and 0% Introductory Balance Transfer APR for 18 Months.

Real Reviews by Real People

Save thousands in interest when you transfer an existing balance to the Citi Simplicity card to pay off debt faster, or finance a large purchase without paying any interest. For more information about the perks of using this card to manage money, check out our summary below.

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Expert Review

The Pros

  • No Late Fees
  • No Annual Fee
  • 0% APR on Balance Transfers and Purchases

The Cons

  • Strict Approval Requirements

Recommended Credit Profile

Rates & Fees

  • Annual Fee$0
  • Intro Purchase APR0% for 12 months
  • Intro Balance Transfer APR0% for 21 months
  • Regular APR15.99% to 25.99%
  • Great ForShoppingDiningGas
  • Regular Purchase APR15.99% to 25.99%
  • Regular Balance Transfer APR15.99% to 25.99%
  • Cash Advance APR25.99%
  • Balance Transfer Fee$5 or 5%
  • Cash Advance Fee$10 or 5%
  • Foreign Transaction Fee3%