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Citi Simplicity® Card

Find more credit cards from Citi
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
  • Go to issuer's official application, terms, and details

See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.


Credit Card Review by CreditDonkey

Citi Simplicity® Card is a Personal MasterCard card with $0 annual fee.

Apply for the Citi Simplicity with Citi secure online application. To qualify for this offer, you usually need excellent credit.

Intro APR Intro Period as long as Regular APR
Purchases 0%18 months12.99% - 21.99% (Variable)
Balance Transfers 0%18 months12.99% - 21.99% (Variable)
Cash Advances N/AN/A12.99% - 21.99% (Variable)

    Interest Rates & Interest Charges

  • Annual Percentage Rate (APR) for Purchases
    0% introductory APR for 18 months. After that, your APR will be as low as 12.99%, 17.99%, 21.99% (Variable) based on your creditworthiness and other factors.
  • Annual Percentage Rate (APR) for Balance Transfers
    0% introductory APR for 18 months. After that, your APR will be as low as 12.99%, 17.99%, 21.99% (Variable) based on your creditworthiness and other factors.
  • Annual Percentage Rate (APR) for Cash Advances
    APR will be as low as 12.99%, 17.99%, 21.99% (Variable) based on your creditworthiness and other factors.
  • Paying Interest for Purchases
    You usually have at least 23 days after the close of each billing cycle to pay your entire balance to avoid interest. If you are charged interest, the charge will be no less than $0.50

    Fees

  • Balance Transfer Transaction Fee
    Either $5.00 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance Transaction Fee
    Either $10.00 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Exchange Transaction Fee
    3% of the amount of each transaction.
  • Late Payment Fee
    Usually, a $0 fee for each late payment may apply.
  • Returned Payment Fee
    Usually, a $35 fee for each returned payment may apply.
  • Overlimit Fee
    Usually, a $0 fee for each overlimit may apply.

    Complete Card Details

  • For the complete terms and conditions, view the issuer's official application, terms, and details. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. Please review the terms and conditions on the issuer's website.

Disclaimer: This content is not provided or commissioned by the company whose products are featured on this site. Any opinions, analyses, reviews or evaluations provided here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by the Advertiser. This site may be compensated through the Advertiser's affiliate programs.


Articles on Citi Simplicity® Card

    Citi Simplicity Review: 0% Intro APR for 18 Months

    Citi Simplicity Review: 0% Intro APR for 18 Months

    January 7, 2012 - By David R - Credit Card Reviews
    By not charging for late payments, the Citi Simplicity Card gives cardholders some breathing room when it comes to managing their credit. Plus, with an 18-month 0% introductory APR on purchases and balance transfers, this card is a smart pick for people who carry a balance. In exchange for this flexibility, the Citi Simplicity Card does not have a rewards program.

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Compare Citi Simplicity to:

Citi ThankYou Preferred Rewards Card
  • Earn 15,000 bonus ThankYou Points after $1000 in card purchases within 3 months of account opening – enough for $150 in gift cards or other great rewards!
  • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
  • Earn 1 ThankYou Point for every $1 you spend on all purchases
  • No expiration and no limit on the points you can earn
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Earn extra points when you shop through the ThankYou® Bonus Center, a network of 600+ retailers you know and love
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
12.99% - 22.99% (Variable)
$0

Citi Diamond Preferred Card
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 18 months
0% for 18 months
11.99% - 21.99% (Variable)
$0

Discover it
  • The new Discover it card is out to change the way people think about credit cards.
  • Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
  • Generous...5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
  • Plus a Cashback Concierge(SM) who guides a free, personalized online tour to help you get the most rewards for how you use your card.
  • Flexible...Choose your own due date and pay up to midnight ET online or by phone.
  • Human...talk to a real person any time with 100% U.S.-based service.
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 6 months
0% for 18 months
10.99% - 22.99% (V)*
$0

Popular Cards from Citi

Citi Dividend Platinum Select Visa Card - $100 Cash Back

Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% for 12 months
0% for 12 months
12.99% - 22.99% (Variable)
Introductory Bonus Cash BackCash Back RewardsBonus Cash BackCar Rental Insurance
  • $100 cash back after $500 in purchases within the first 3 months of account opening
  • 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*.
  • Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment
  • Enroll at no additional cost each quarter for new categories that earn additional cash back.
  • Full 1% cash back on all other purchases and eligible cash advances.
  • No Annual Fee*
Apply for Citi Dividend Platinum Select Visa Card - $100 Cash Back
Citi Hilton HHonors Visa Signature Card

Citi® Hilton HHonors Visa Signature® Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
14.24% - 16.24% (Variable)
Introductory Bonus Hotel RewardsHotel RewardsDrugstore RewardsGas Rewards
  • Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*
  • Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton HHonors portfolio.*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
  • No annual fee.*
Apply for Citi Hilton HHonors Visa Signature Card
Citi Platinum Select / AAdvantage World MasterCard

Citi® Platinum Select® / AAdvantage® World MasterCard®

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
15.24% (Variable)
Introductory Bonus Airline RewardsAirline RewardsBonus Airline RewardsNo Expiration on Rewards
  • For a limited time, Earn 40,000 American Airlines AAdvantage® bonus miles after $3,000 in purchases within the first 3 months of cardmembership*
  • Your first eligible checked bag is free*
  • Priority Boarding with Group 1 privileges* and 25% savings on eligible in-flight purchases*
  • Earn a $100 American Airlines Flight Discount every cardmembership year with qualifying purchases and cardmembership renewal*
  • Double AAdvantage® miles on eligible American Airlines purchases*
  • Earn 10% of your redeemed AAdvantage® miles back - up to 10,000 AAdvantage® miles each calendar year*
Apply for Citi Platinum Select / AAdvantage World MasterCard

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Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.