Credit Karma advised that I apply for it for balance transfer so I did and was approved for $10,000. Best decision I could have made.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0% for 21 Months
- Balance Transfer Regular APR 14.24% - 24.24%* Variable
- Annual Fee $0
- Purchase Intro APR 0% for 21 Months
- Purchase Regular APR 14.24% - 24.24%* Variable
The well-named Citi Simplicity® Card is a nice fit for consumers with excellent credit who want a simple card that won’t drown them in fees.
Why We Like It
This card has no annual fee, no late fees and no penalty APR. Citi Simplicity® also includes a 0% intro APR on balance transfers and purchases for 21 months.
Look Out For
Citi Simplicity® has no late fees ever, but a higher regular interest rate will kick in after the 21 month introductory period. Once that interest rate is in effect, failing to pay in full and on time could still put a dent in your wallet. The card also includes a 3% foreign transaction fee and a 3% or $5 (whichever is greater) balance transfer fee.
Most Helpful Positive Review
Most Helpful Negative Review
After over 20 years with Citi, a credit score of 802 was tanked when they took my limits down to my balances during the course of my divorce. I have never paid a bill late in my life. I'm 44 years old. When lines of credit equal to nearly $25,000 get cut to the outstanding balances of $5,000 at the time when I needed it the most, to re-establish as a single woman after 24 yrs of marriage, I can't even qualify for a bank loan with my new credit score. The only negative area on my credit is my utilization rate...all the result of Citi. Never again.
Compare Holders of this Card
Sample Size: 3,722
Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
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‡ Average score refers to the arithmetic mean and typical low score to the 5th 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 2014 through November 2014. 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.