Reviews
Citi Simplicity® Card full review: should you get it?
Discover the card created to measure for those who need to balance their finances while avoiding interest. See more about this card by reading this full review!
Advertisement
Citi Simplicity® Card: Make big buys or/and pay your overdue balances with 0% interest and no fee
Indeed, Citi Simplicity® is a simple card for anyone looking to solve a single problem: avoiding interest.
Citi Simplicity® Card: check out how to apply!
Apply to Citi Simplicity® Card, a credit card that combines extended periods of 0% intro APR, fee waivers, and more benefits. Check it out!
With this one, you will be interest-free for almost two years. To learn more about this card, see the review below:
| Credit Score | Good/excellent (670-850). |
| Annual Fee | $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. |
| Welcome bonus | None. |
| Rewards | None. |
Citi Simplicity® Card: learn more about this financial product
In fact, it is a simple card created with a single purpose: to exempt you from interest for a long time. Therefore, this is an interesting option for those considering making high-value purchases.
In addition, it is great for those who want to transfer the balance to consolidate debts and pay them interest-free. In effect, this card offers one year of 0% APR for purchases.
This period is much longer for balance transfers: 21 months (almost two years). Thus, these advantages are enough for you to count on this service. However, this card offers other benefits.
With this one, you will never have to worry about annuity fees, late fees, and APR penalties. In effect, these fees will remain at zero as long as you use that card.
In addition, this card offers a disclaimer service. Thus, in case of unrecognized purchases, you will not have to bear losses. With this tool, you can also control the due date of your balance payment.
Beginning, middle, or end of the month? You choose! Finally, it’s a Mastercard card. Accepted anywhere in the country and even the world.
You will be redirected to another website
You’ll receive messages for less than 1 week, with a maximum of 1 message per day. You can unsubscribe anytime by replying STOP. By submitting this form, I confirm that I am 18+ years old and agree to the Privacy Policy and Terms and Conditions. I also provide my signature, giving express consent to receive informational messages via automated emails, SMS, MMS text messages, and other forms of communication. Message frequency may vary as part of our good-faith effort to respond to your inquiry. Message and data rates may apply. Text STOP to cancel. I understand that my consent to receive communications is not a condition of purchase and that I may revoke my consent at any time.
Citi Simplicity® Card features
In fact, this card is surprising by the long period of 0% APR, mainly for balance transfers. However, before choosing this tool to get rid of interest, understand its main positives and negatives:
What are the benefits?
- Longer 0% APR periods for purchases (12 months) and balance transfers (21 months);
- No annuity;
- No late fees and no penalty APR;
- Disclaimer in case of unauthorized use.
And what are the drawbacks?
- No reward program;
- No welcome bonus;
- After the 0% APR period, APR rates are not exactly attractive (they remain within the market average);
- Relatively high balance transfer fee (5% or $5, whichever is greater). On a $5,000 balance transfer, for example, the fee paid would be $250.
What credit score do you need to get the Citi Simplicity® Card?
In fact, to increase your chances of being approved, it is advisable to have a good or excellent credit score. Therefore, we recommend a score higher than 670.
How does the Citi Simplicity® Card application process work?
You can apply for this card right now from your home without queueing up. To find out how to apply, see the following post!
Citi Simplicity® Card: check out how to apply!
Apply to Citi Simplicity® Card, a credit card that combines extended periods of 0% intro APR, fee waivers, and more benefits. Check it out!
Trending Topics
Discover it® Miles Credit Card full review: should you get it?
Discover it® Miles Credit Card is one of the world's simplest ways to earn miles and travel the world for free. Plus, no annual fee! Read on!
Keep Reading
Earned Income Tax Credit (EITC): see if you qualify for the program
There is a federal program that allows you to recover your taxes. Click here to learn more about the Earned Income Tax Credit (EITC).
Keep Reading
Find out all about rewards credit cards and their pros
Did you know that it is possible to earn money just by using a credit card? Read on to learn about the pros of rewards credit cards.
Keep ReadingYou may also like
Mercury® Mastercard® card: check out how to apply!
Check out how to apply for the Mercury® Mastercard®, the credit card that comes with a solid cashback rewards program - learn more now!
Keep Reading
What is an unsecured credit card?
Unsecured credit cards are a great way to build your credit score. Find out what they are and how they work here!
Keep Reading
Citi® Secured Mastercard® full review: should you get it?
The Citi® Secured Mastercard® is a credit-building option you need to know about: monthly reports to credit bureaus and no annual fee!
Keep Reading