Citi Simplicity® Card

Citi Credit Cards is an Experian Partner

Citi Simplicity® Card logo.

Citi Simplicity® Card

Rated 4.35 out of 5 stars, 127 reviews
87%
would recommend

Recommended FICO® ScoreΘ

Good - Exceptional

Annual Fee:

$0

Intro APR:

0% intro APR for 18 months from account opening on purchases and qualifying balance transfers

Ongoing APR:

17.49% - 28.24% (Variable)

Ongoing Balance Transfer APR:

17.49% - 28.24% (Variable)

Intro bonus:

N/A

  • 0% Intro APR on balance transfers and purchases for 18 months from date of account opening. After that, the variable APR will be 17.49% - 28.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • $0 liability on unauthorized charges.
  • Intro APR for new cardholders

  • No annual fee, late fee or penalty interest rate

  • No rewards

  • Foreign transaction fees

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Citi Simplicity® Card reviews

Opinions are provided by Experian users that are actual credit card customers and do not reflect the views of Experian or the lender.

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