Citi Simplicity® Card

Apply by phone: 1-888-245-9658
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee…EVER
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 15.24% - 25.24% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
Annual Fee:
Purchase Intro APR:
(18 Months*)
Purchase Regular APR:
15.24% - 25.24%*
Balance Transfer Intro APR:
(18 Months*)
Balance Transfer Regular APR:
15.24% - 25.24%*

Details, Rates & Fees

Click here for Additional Details

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* 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.

Cash Advance Rate 15.24% - 25.24%* Variable
Cash Advance Fee 5%, Min: $10
Late Fee N/A
Penalty APR N/A
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee 3%
Return Payment Fee Up to $35

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
Can't beat 0% for 21 months
by QueenDGC
Helpful to 161 out of 179

I have used this card to transfer balances, and it has helped me in consolidating and paying off my debt! I've never had any issues with the card, or customer service. 

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
Good features, bad user experience
by mgaalaas
Helpful to 404 out of 444

I recently applied for this card to take advantage of the 21 months 0% interest on new purchases and balance transfers.  Got the card in the mail, went to activate it online and thought I completed it.  Went to verify some details of the terms before using it for the first time today and logged into the website.  Website tells me my registration was not complete, so I finish it online by providing my information.  Website tells me great, activation complete, you can use your card immediately.  Went out shopping for some new shirts for work as I needed a minor wardrobe refresh, and for the first time EVER in my life I'm the awkward guy at the counter whose card is declined.   After it was declined I put it on the card I'm going to transfer balances on.  After reading some of the reviews about them refusing balance transfers after that's how the card is marketed (CK pushed it as the best card for balance transfers), that thought has me wary.  When I called customer service, I got a script reading foreign call center who was very awkward.  After providing all of my personal information and saying the verification was complete and the card was ready for use she asked "And you are the person who signed up for this card online?"  Who else would I be if I just provided all information for the account?  Even if I wasn't, would a legit ID thief be like "Oh, you got me!" 

TLDR= Activated card on website it said ready to use, used card and it was rejected.  Customer service was terrible when calling in about the problem.

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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from July 2017 through December 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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