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Insider’s experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.

Citi Citi Simplicity® Card


Recommended Credit

Good to Excellent


Regular APR

16.99% – 27.74% Variable


Intro APR

0% intro APR on balance transfers for 21 months (transfers must be completed within 4 months of account opening) and on purchases for 12 months

Editor’s Rating

4.85/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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The main benefit of the Citi Simplicity® Card is its 0% intro APR on balance transfers for 21 months (transfers must be completed within 4 months of account opening) and on purchases for 12 months (then a 16.99% – 27.74% Variable APR). It doesn’t charge late fees, a penalty rate, or annual fees — but it doesn’t earn rewards, either. Citi is an Insider partner.

Review: Is the Citi Simplicity the best credit card for you?

The credit cards available nowadays have never been more exciting. Banks continue to debut new, benefits-packed credit cards with large sign-up bonuses worth potentially thousands of dollars, and some existing rewards credit cards have added perks or improved their welcome offers.

But not all of us qualify for those cards for reasons like a low credit score or a significant amount of debt. In this case, the Citi Simplicity® Card may be a great fit for your situation. It doesn’t charge late fees, a penalty rate, or an annual fee.

There are three scenarios in which you should open the Citi Simplicity® Card:

If none of the above describes you, there are other more valuable credit cards that will serve you better. The Citi Simplicity® Card doesn’t come with many perks at all, and it offers zero rewards for spending. It doesn’t even come with a traditional welcome offer of bonus rewards.

However, the card can be helpful to those carrying big balances on high-interest credit cards. The Citi Simplicity can give you a chance to get ahead of crippling monthly interest fees by giving you a long 0% intro APR on balance transfers for 21 months (transfers must be completed within 4 months of account opening) and on purchases for 12 months (then a 16.99% – 27.74% Variable APR).

Insider’s Featured Cash Back Credit Cards

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Earn unlimited 2% cash rewards on purchases.

$200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account opening

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

$200 cash back after spending $1,500 on purchases in the first 6 months of account opening

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 5% cash back on travel purchased through Chase Ultimate Rewards®. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.

$200 after spending $500 on purchases in the first three months from account opening

We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

The Citi Simplicity card doesn’t have a rewards program

The Citi Simplicity® Card doesn’t earn rewards. You will not earn points or cash back for spending on the card.

Benefits and features

0% intro APR on new purchases and balance transfers

In lieu of a sign-up bonus, the Citi Simplicity® Card offers generous 0% introductory APR windows for both new purchases and balance transfers: 0% intro APR on balance transfers for 21 months (transfers must be completed within 4 months of account opening) and on purchases for 12 months (then a 16.99% – 27.74% Variable APR)

The ability to carry a balance for such a long period with zero interest puts the Citi Simplicity® Card at the top of the class in its category. As long as you make at least the minimum payment each month, 100% of your money goes toward paying off your balance.

This is a powerful tool to reduce debt, as many popular cards charge interest rates of more than 20%. Anyone who finds themselves in a lot of debt with one of these cards may transfer some or all of their balance to the Citi Simplicity® Card to keep it from snowballing.

Helpful account management tools

There are a few minor benefits that come with the Citi Simplicity to help you effectively manage your card:

  • Ability to change your payment due date
  • Citi Identity Theft Solutions (helpful if you’re a victim of identity theft)
  • Account alerts that keep you up to date on things like upcoming payments and when you exceed your credit limit
  • 24-hour customer support
  • Free FICO score

No annual fee, late fees, or penalty rates

This card charges an annual fee of $0, meaning you can keep it forever at no cost. No-annual-fee cards are important tools for building your credit score, as they will increase the length of your average credit history.

Just make sure you swipe it every once in a while to avoid Citi proactively canceling your card due to inactivity. Using your card for a purchase every six months is a good rule of thumb.

With the $0, you won’t ever pay a fee for late payments (there is a fee of up to $41 for returned payments, however), and there’s no penalty APR like most cards charge if you have a late or returned payment. 

Citi Citi Simplicity® Card

Citi Citi Simplicity® Card


Recommended Credit

Good to Excellent


Regular APR

16.99% – 27.74% Variable


Intro APR

0% intro APR on balance transfers for 21 months (transfers must be completed within 4 months of account opening) and on purchases for 12 months

Editor’s Rating

4.85/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

Show more

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Fees and costs

If you plan to take advantage of this card’s 0% APR intro offers, be sure you pay off your balance before the introductory period ends or you’ll immediately begin incurring interest fees of 16.99% – 27.74% Variable.

Also, note that there’s an intro balance transfer fee of 3% of your transfer amount or $5 — whichever is greater — on transfers completed within four months of account opening, then 5% of your transfer amount or $5. For example, if you plan to transfer $6,000 to your Citi Simplicity® Card, you’ll pay a one-time $180 fee if done within your first four months — and then be free of interest for the next 21 months. 

This initial fee isn’t ideal, but it can still save you many hundreds of dollars over slowly chipping away at your balance on a high-APR credit card. The Citi Simplicity® Card’s lack of penalty rate also makes it customer-friendly. 

Comparison: Citi Simplicity vs other Citi balance transfer cards

Citi Simplicity vs 0% APR offer cards from other banks

Citi Simplicity frequently asked questions (FAQ)

The Citi Simplicity® Card is worth it for folks looking to pay down debt from other credit cards, or for paying off larger purchases over multiple billing cycles. Plus, the card doesn’t charge late or penalty fees. 

However, the Citi Simplicity® Card doesn’t earn rewards or even offer a welcome bonus. So unless you need an extra long APR on balance transfers and purchases, you should consider a different rewards credit card. 

Most folks who get approved for the Citi Simplicity® Card have a good or excellent credit score (FICO score of at least 670 ). If you’re not quite there yet, you can improve your credit score with responsible use. 

Citi doesn’t officially limit the number of credit cards you can own at one time. That said, some Citi cards restrict you from opening the same card again and earning a bonus if you have certain other Citi cards, or have previously received a bonus on the card within a certain timeframe.



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