262 Reviews

Citi Simplicity® Card

262 Reviews
  • Intro balance transfer APR
    0%
    for 21 Months
  • Regular balance transfer APR
    16.24% - 26.24% Variable
  • Balance transfer fee
    5%, Min: $5
  • Annual fee
    $0

Additional rates & fees

Annual fee
$0
Intro purchase APR
0% for 12 Months
Regular purchase APR
16.24% - 26.24% Variable
Intro balance transfer APR
0% for 21 Months
Regular balance transfer APR
16.24% - 26.24% Variable
Cash advance APR
26.74% Variable
Cash advance fee
5%, Min: $10
Late fee
None
Penalty APR
N/A
Balance transfer fee
5%, Min: $5
Foreign transaction fee
3%
Return payment fee
Up to $40

* 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 16.24% - 26.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 16.24% - 26.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges