Credit Cards

Citi Simplicity® Card review: ultra-long 0% APR period

Read this Citi Simplicity® Card review to find out how to get out of debt with this card's ultra-long 0% intro APR period.


Reduce or eliminate debt with 21 months of no interest on balance transfers

Citi Simplicity® credit card
Learn everything about the Citi Simplicity® Card by reading this review. Source: The Post New.

With this card, you can whittle down debt while paying no interest on your outstanding balance. This is our Citi Simplicity® Card review.

Citi Simplicity® credit card

How to get your Citi Simplicity® Card

This Citi Simplicity® Card application guide will take you by the hand through the whole process in just a few minutes.

  • Credit Score: Good – Excellent
  • APR: Variable 16.99%-27.74%
  • Annual Fee: $0
  • Fees: 3% foreign transaction fee
  • Welcome bonus: N/A
  • Rewards: N/A

How about never ever paying late fees, penalty rates, or annual fees? With the Citi Simplicity® Card, you get all those on top of the super long 0% intro APR period.

This is the perfect card for people who have difficulty remembering to make their payments.

Citi Simplicity® Card: how does it work?

In this Citi Simplicity® Card review, you will see how this card can help you pay down debt or finance a large purchase. Its most outstanding feature is its lengthy 0% intro APR period for balance transfers.

If you are trying to tackle existing debt, this card will help you do that. However, this card earns no rewards, and the balance transfer fee you will pay may cost you as much as the interest you will avoid.

The balance transfer fee is 3% of the amount of each transfer. If 3% of the transfer costs you less than $5, you will actually have to pay the $5. This is the minimum you will pay.

The 3% rate is valid only for the first four months since opening the account. After four months, the balance transfer fee is 5% of the amount of each transfer (or $5, whichever is greater).

Regardless, this card is proven to be the perfect fit for people who tend to forget to make their payments on time. There is no penalty APR or late fee if you miss a payment.

However, it is worth pointing out that making late payments can still impact your credit score negatively. So we strongly recommend you do not take advantage of this card’s forgiving nature.

The Citi Simplicity® Card does not charge an annual fee, but it also does not offer a welcome bonus or ongoing rewards. There is also a 3% foreign transaction fee if you use your card abroad.

Significant benefits and disadvantages you may find

woman using credit card to purchase online
This credit card will help you reduce debt with zero interest for 21 months. Source: Adobe Stock.

Now that you have become familiar with the ins and outs of the card, our Citi Simplicity® Card review would not be complete without a comparison between the pros and cons.

So have a look at the list of benefits and disadvantages we have prepared below.


  • 21-month-long 0% intro APR period
  • It does not charge an annual fee
  • Does not charge penalty APR
  • It does not charge late fees


  • High ongoing APR
  • It does not offer rewards
  • It does not offer a welcome bonus
  • Requires good to excellent credit

Is a good credit score required for applicants?

The Citi Simplicity® Card requires applicants to have good to excellent credit for approval. This generally means a credit score between 690 and 850.

Learn how to apply and get a Citi Simplicity® Card

If you like what you have seen in our Citi Simplicity® Card review, you might want to take the next step and apply for this card. 

In the link below we have prepared a complete walkthrough of the application process to make things easier for you. Just click on it and we will show you how to get the card.

Citi Simplicity® credit card

How to get your Citi Simplicity® Card

This Citi Simplicity® Card application guide will take you by the hand through the whole process in just a few minutes.

About the author  /  Danilo Pereira

Danilo is a copywriter with a passion for learning. Deeply interested in philosophy, politics and arts.

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