Credit Cards (US)

Citi Simplicity® Card review: intro APR!

Are you looking for a credit card with low-interest rates? If so, you're in the right place! Read our Citi Simplicity® Card review to learn about this card's pros and cons!

by Victória Lourenço

10/31/2022 | Updated on 02/07/2023

Citi Simplicity® Card: save money on balance transfers and purchases!

This credit card is simple and efficient - the Citi Simplicity card! Source: The Mister Finance.
This credit card is simple and efficient – the Citi Simplicity card! Source: The Mister Finance.

If you’re looking for a new credit card with a 0% intro APR, the Citi Simplicity® Card is a great option. You can save money on balance transfers and purchases! Read our Citi Simplicity® Card review to learn more!

Citi Simplicity® Card

How to apply for the Citi Simplicity® Card?

Are you looking for a card to help you save money with intro APRs? If so, read our post to learn how to apply for the Citi Simplicity® Card!

Credit ScoreGood to excellent.
APR*0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that:

Ongoing Purchases APR: 18.49% – 29.24% (Variable);
Ongoing Balance Transfer APR: 18.49% – 29.24% (Variable);
Ongoing Cash Advance APR: 29.74% (Variable).

Balance transfers must be completed within 4 months of account opening.
Annual FeeNo annual fee.
Fees*Balance transfer fee: Intro fee of 3% or $5 of each transfer amount (valid for whichever is greater for transfers that are completed in 4 months from account opening);
After that, there is a balance transfer fee of 5% or $5 of the transfer amount, whichever is greater;
Also, there is a fee of 3% for foreign transfers.

*Terms apply.
Welcome bonusThere is no welcome bonus besides the 0% intro APR periods.
RewardsThere are no rewards programs available.

Plus, with this card, you won’t need to pay any annual fees! So, if you’re looking for a way to save money on your credit card expenses, the Citi Simplicity Card is a good choice.

You can also save with the other low fees this card offers its cardholders. So, keep reading our Citi Simplicity® Card review to learn more about how this card works and how to enjoy its benefits!

How does the Citi Simplicity® Card work?

With the Citi Simplicity® Card, you’ll be able to get a 0% intro APR period for 12 months for purchases from the date of your account opening (after that period, the variable APR ranges from 18.49% – 29.24%) . Also, there is a 0% intro APR for 21 months for balance transfers (after that period, the variable APR ranges from 18.49% – 29.24%).

Moreover, you’ll be able to save even more money with this card because there is no annual fee!

Also, you can even get a lower intro balance transfer fee for transfers your complete in your first 4 months!

Citi Simplicity® Card benefits

You'll get a credit card to pay for all your expenses. Source: Freepik.
You’ll get a credit card to pay for all your expenses. Source: Freepik.

Now that you’ve learned more about the Citi Simplicity® Card, you can be sure that it can help you save money.

However, this card has some downsides that you should know before applying. Read our list of pros and cons below!

Pros

  • You won’t need to pay any foreign transaction fees;
  • No Late Fees, No Penalty Rate, and No Annual Fee… Ever;
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.49% – 29.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening;
  • There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

Cons

  • This card has no rewards program or welcome bonuses;
  • You’ll need a high credit score to have a chance of qualifying.

Pre-approved credit cards for low credit score available now

We analyzed your profile and found some offers that you can apply for today.

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How good does your credit score need to be?

This Citi card can be one of the best ones to save money on interest for the first year. However, you’l need to have a credit score ranging from good to excellent to qualify.

How to apply for Citi Simplicity® Card?

You can easily apply for this card through the website. Also, you’ll only need to fill out some information about your finances and other personal information before you submit your application.

Citi Simplicity® Card

How to apply for the Citi Simplicity® Card?

Are you looking for a card to help you save money with intro APRs? If so, read our post to learn how to apply for the Citi Simplicity® Card!

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

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