262 Reviews

Citi Simplicity® Card

262 Reviews

  • Intro balance transfer APR

    0%
    for 21 Months

  • Regular balance transfer APR

    17.74% - 28.49% Variable

  • Balance transfer fee

    Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).

  • Annual fee

    $0

Additional rates & fees

Annual fee
$0
Intro purchase APR
0% for 12 Months
Regular purchase APR
17.74% - 28.49% Variable
Intro balance transfer APR
0% for 21 Months
Regular balance transfer APR
17.74% - 28.49% Variable
Cash advance APR
28.99% Variable
Cash advance fee
5%, Min: $10
Late fee
None
Penalty APR
N/A
Balance transfer fee
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Foreign transaction fee
3%
Return payment fee
Up to $41

* See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

Card details

  • 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 17.74% - 28.49%, 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