Citi Simplicity® Card review

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Recommended Credit Score

Excellent (740 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Annual Fee:
Purchase Intro APR:
0% for 18 months on Purchases
Balance Transfer Intro APR:
0% for 18 months on Balance Transfers
Regular APR:
14.74% - 24.74% (Variable)
Terms and Restrictions Apply

Bankrate Rating

This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our balance transfer category page.


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The information about the Citi Simplicity Card has been collected independently by The card details have not been reviewed or approved by the card issuer.

Citi Simplicity® Card: Details and benefits

If you have credit card debt to pay off, the Citi Simplicity® Card offers one of the longest zero percent APR periods on balance transfers available. You receive a 18-month zero percent APR on balance transfers made within the first four months of owning the card (14.74 percent — 24.74 percent variable APR after that) and you won’t owe an annual fee.

With the card’s exceptionally long low-interest offer comes with a balance transfer fee of $5 or 3 percent of the amount of each transfer, whichever is greater. Though the Citi Simplicity requires a high fee compared to many other balance transfer cards, it doesn’t charge late payment fees or subject you to a penalty APR.

There’s no rewards structure, but if getting one of the longest possible debt payoff offers is important to you, the sacrifice may be worth it.


  • No annual fee
  • The card offers one of the longest low-interest periods available on balance transfers
  • You won’t pay any late fees or be subject to a penalty APR if you are late.


  • There isn’t a rewards structure or welcome bonus associated with the card.
  • You pay a balance transfer fee of $5 or 5 percent, whichever is greater.
  • There’s a 3 percent foreign transaction fee on purchases made outside of the United States

Is the Citi Simplicity® Card worth it for you?

The Citi Simplicity is a great option for those who need a longer introductory period for balance transfers, but the higher-than-average balance transfer fee may be enough to sway you in the direction of another card.

Considering the card doesn’t offer a rewards structure or welcome bonuses, it probably won’t offer much value after your balance is paid off. If earning rewards for your purchases is a top priority for you, a card like the Citi® Double Cash Card offers both an 18-month zero percent introductory APR on balance transfers (variable 13.99 percent — 23.99 percent) and the opportunity to earn 2 percent cash back on every purchase (1 percent as you buy and an additional 1 percent as you pay for your purchase).

If you’re forgetful or have a history of occasionally missing credit card payments, the Citi Simplicity’s lack of late fees or a penalty APR may make it a great option for you. You also have the option to choose your payment due date, which can be helpful for those who are more dependent on their paycheck schedule.

The card also serves as a tool to pay off large purchases with a 18 month zero percent introductory APR on new purchases (variable 14.74 percent — 24.74 percent after the fact), though we recommend you look for a card with a longer purchase APR offer if that’s your main priority.

Get the most value from the Citi Simplicity® Card

For a credit card without a rewards rate, welcome bonus or fancy perks, the Citi Simplicity offers several helpful protections and services.

The card comes with $0 liability protection on unauthorized charges made to your account, as well as Citi® Identity Theft Solutions. Further, you can rest easy your account is secure with automatic account alerts and 24/7 customer service for any questions related to your account.

Balance transfer example

Say you have $5,000 in credit card debt and transfer your balance to the Citi Simplicity. With the 18-month zero percent APR offer (14.74 percent — 24.74 percent variable APR thereafter), you’ll pay just over $278 a month for 18 months without owing additional fees in interest. You will, though, owe a 3 percent balance transfer fee of $150.

Though this fee is high, it may be significantly lower compared to the interest you’ll pay without the card. If you attempt to pay off your debt on a card with a variable 20 percent interest rate, according to Bankrate’s Credit Card Balance Transfer Calculator, by the end of 18 months you’ll have paid around $967 in interest.