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!


by José Gonçalo

Published on 10/22/2022

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.

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!

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.

Trending Topics


Upgrade Triple Cash Rewards Card or Upgrade Cash Rewards Card: discover your best fit

Upgrade Triple Cash Rewards or Upgrade Cash Rewards Card? Check out the comparison and find out which cash back program is the best for you.

Keep Reading

Key2More Rewards® Credit Card full review: should you get it?

Key2More Rewards® Credit Card is a credit card that offers a powerful rewards program with no annual fee. Meet it here!

Keep Reading

BlockFi Rewards Visa® Signature Card: check out how to apply!

Apply for the BlockFi Rewards Visa® Signature Card and get access to one of the best cryptocurrency reward program cards with no annual fee!

Keep Reading

You may also like


Wells Fargo Reflect℠ Card or Upgrade Cash Rewards Card: discover your best fit

Two credit products with very different benefits: Wells Fargo Reflect℠ or Upgrade Cash Rewards Card? Read a comparative X-ray and learn more!

Keep Reading

GO2bank™ Secured Visa® Card: check out how to apply!

Apply for the GO2bank™ Secured Visa® Card and get access to a building tool. See your score for free without paying an annual fee.

Keep Reading

How to manage your money as an international student

International student already has enough problems. Finances don't have to be one more. Learn how to manage them in 4 simple steps:

Keep Reading