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

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.

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.

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.

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

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.