Citi Simplicity® Card: check out how to apply!

Learn how to apply to a card known for being a simple solution for anyone who wants long periods of 0% intro APR, whether to make large purchases or transfer balance!


by José Gonçalo

10/22/2022 | Updated on 10/24/2022

Citi Simplicity® Card: the peace of mind of having 21 months of 0% APR for balance transfers

Citi logo
Learn how to apply for the Citi Simplicity® Card. Source: Citi

Apply for the Citi Simplicity® Card and get interest-free purchases for one year plus a balance payment on the same terms for nearly two years. Here’s how the application process for this card works!


Credit card

Citi Simplicity®

0% intro APR No annual fee

12 months APR 0% on purchases, 21 months of 0% intro APR on balance transfers and zero fees.

You will be redirected to another website

How to apply on the website

Before applying for this card, it is important that you know all the terms of its services.

To access this information, you can click on “Paperless Terms & Conditions,” highlighted in blue in the introductory text of this card.

Once you know and agree to the terms imposed by this card, you can apply. You will provide basic identification data such as name and address in this form.

Also, don’t forget to keep your social security number close at hand. After all, this document will be very important for your application.

Then, you must also report your monthly income and amounts spent on rent or mortgage. If you want to add an authorized user, you can do so already during the application.

To do so, simply inform that user’s basic identification data and address. After submission, you must await the result of your application.

All information provided will be verified, and your credit history will be consulted. Usually, the final response is sent to your email within a few days.

How to apply using a mobile app

woman using cell phone/smartphone (apply Citi Simplicity® Card)
Learn how to apply for the Citi Simplicity® Card. Source: Pixabay

If you’re reading this article on your cell phone, you might prefer to apply through that device. Indeed, Citi Bank offers an official mobile application service that supports applications.

To use it, download the “Citi Mobile®” app for free. The application step-by-step is similar to the one indicated in the topic above. Once approved to use this card, this app will be extremely useful for you.

Through it, you can check your balance, make payments, send and receive money and manage your expenses. All with a tap on your cell phone screen.

Citi Simplicity® Card vs. Chime Credit Builder Visa®: choose which one is best for you

In fact, the market has cards with 0% APR permanently. This option can be very advantageous for managing your finances, for example.

Also, this could be the service you’re really needing today. So, here’s a comparison between two cards with different 0% APR offers!

Citi Simplicity® CardChime Credit Builder Visa®
Credit ScoreGood/excellent (670-850).Bad or fair (300-669).
Annual Fee$0.$0.
Regular APR* 0% intro APR during the first 21 months for balance transfers (valid from the date of the first transfer);

0% intro APR for 12 months on purchases (valid from account opening);

After that, the variable APR will be 16.99% to 27.74%, depending on your creditworthiness.

*Terms apply.
0% (fixed).
Welcome bonusNone.None.

Learn more about Chime Credit Builder Visa® in our post below and find out how to apply for it!

Chime Credit Builder Visa® Credit Card

Chime Credit Builder Visa® Card: check out how to apply!

Learn how to order an amazing tool to generate credit scores: approximately 30 points in the first 8 months of use. Chime Credit Builder Visa® Card.

About the author

José Gonçalo

I started reading about finance only to find better options than savings. Since then, I have never stopped studying finance, and I believe that writing about it is the best way to help individuals feel fulfilled and have a healthy financial life. Today, I balance finance and medical school studies.

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