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 for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% 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:
$0*
Purchase Intro APR:
0%*
(12 Months*)
Purchase Regular APR:
15.99% - 25.99%*
Variable
Balance Transfer Intro APR:
0%*
(21 Months*)
Balance Transfer Regular APR:
15.99% - 25.99%*
Variable

Details, Rates & Fees

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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 15.99% - 25.99%* Variable
Cash Advance Fee 5%, Min: $10
Late Fee N/A
Penalty APR N/A
Balance Transfer Fee 5%, 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
Ayinas24
Great mobile app and blank checks
by Ayinas24
Helpful to 60 out of 61

I use the mobile app to request credit increase with no hit to my credit report, other than showing the increase. Throughout the year I receive blank checks with interest starting at 0% to 6%. I always wait on the 0% to come out. Usually it's 0% for about 18 months. Luv it. There is a fee for it but it's not alot of money. You can also get your credit score in the mobile app. Monitor spending, see statements, make extra payments, change due date with a few clicks in your phone. I usually request an increase when I have a balance to keep my credit card usage under 30% for credit reporting purpose. This have been a great card building my credit. I dealt with customer service a couple of occasions, I had no bad experience. I have handled most transactions via mobile app and by blank checks. Great card.

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
nmoss8
Excellent for balance transfer purposes
by nmoss8
Helpful to 110 out of 116

I've had this card for several years. I have not ran a transaction, other than balance transfers, in the last 2-3 years. The interest rate is horrific, even with excellent credit. The balance transfer rates/fees are some of the best out there. Even with a call to customer service, they were not willing to lower my APR after several years with the account in good standing.


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‡ 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 June 2018 through November 2018. 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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