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Read on and find out how the Citi Simplicity® Card can help you reduce or eliminate debt with its long 0% APR period.

Citi Simplicity® Card – Reduce or eliminate debt with 21 months of 0% intro APR


The Citi Simplicity® Card is an excellent card for those trying to reduce or eliminate debt. It offers a lengthy 21-month-long intro APR period for balance transfers. This gives you enough time to work on paying off your balance, and get out on the other side debt-free. Plus, it does not charge penalty APR or late fees. It also does not charge an annual fee.


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Take a look at some of the amazing benefits you have access to when you acquire your Citi Simplicity® Card

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

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The Citi Simplicity® Card has one of the most sought for features on the market: it charges no annual fee. Plus, there are no late fees. These features are key to this card, but cardholders may incur other fees depending on their activity. For example, there is a balance transfer fee of 3% or $5 (whichever is greater). There is also a cash advance fee in case you decide to withdraw money using your credit card. The card also comes with a foreign transaction fee of 3%. You can find complete information about this card’s fees in the documentation that accompanies it.

The Citi Simplicity® Card helps cardholders keep things simple so that they can spend their time enjoying the more important things in life. With that aim, the card offers $0 late fees, no penalty rate or annual fee. This is a permanent feature of the card. You will never have to pay for any of these fees. Also, the card offers flexible payment due date, round-the-clock customer support directly with a company representative, and $0 liability on unauthorized charges.

First, in order to get approved you must have a good to excellent credit score. This generally means a credit score of between 690 and 850. If you have that, you qualify. Then you must go to Citi’s website, locate the offer, and apply for it providing all the required information. The information includes your Social Security Number so that the company can verify your identity and access your financial information.

The 21-month-long 0% intro APR period gives you a window of time in which you must strive to pay off any existing balance. Once that period is over, you will start paying the card’s variable APR which ranges from 16.99% to 27.74%.

As you can see. this credit card is called “Simplicity”, but it has outstanding features! The application process is simple, and you can find the step-by-step to do it on the following link.

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.

Citi is definitely one of the best credit cards issuer out there, and to prove it, we’ll show you another option with 21 months of 0% APR. The Citi® Diamond Preferred® will also help you reduce debt if you tend to carry a credit card balance.

The following link will take you to our Citi® Diamond Preferred® application guide.

Citi® Diamond Preferred®

Citi® Diamond Preferred® application proces

Applying for the Citi Diamond Preferred credit card you get a 21-month-long 0% APR period.

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