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

Citi Simplicity® Card
Read on to learn about the Citi Simplicity® Card! Source: Citi

Indeed, Citi Simplicity® is a simple card for anyone looking to solve a single problem: avoiding interest.

Citi logo

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 ScoreGood/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 bonusNone.
RewardsNone.

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.

Citi Simplicity® Card features

Woman holding credit card, using smartphone
Learn more about the card’s pros and cons. Source: Adobe Stock.

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

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

content

Tackle Your Debt: SoFi Student Loan Refinance Review

Worried about student loan interest? A SoFi Student Loan Refinance option could be the answer you've been seeking in this review!

Keep Reading
content

Apply for 247LoanPros: Quick Approval, Easy Process

Find out how to easily apply for up to $35k with 247LoanPros and get flexible loan options, speedy approval, and secure online processing.

Keep Reading
content

Obamacare explained: what it is and how it can help you

Obamacare revolutionized federal public health in the US. Learn about this aid and how you can benefit from it!

Keep Reading

You may also like

content

Buy cheap United Airlines flights: easy step by step

Learn how to buy cheap tickets for United Airlines international and domestic flights and take advantage of great opportunities to save!

Keep Reading
content

Upgrade card or Upgrade Bitcoin Rewards card: discover your best fit

Upgrade card or Upgrade Bitcoin Rewards card? Build Credit or Profit from Rewards? Understand which of these options is best for you.

Keep Reading
content

Apply for the Possible Finance Loans: Get Fast Cash Access

Get funds fast when you apply for the Possible Finance Loans, featuring a unique approach to lending and incredible credit-building tools!

Keep Reading