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Citi Credit Cards Review
Citi Simplicity® Card
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Michael Graw
Sep. 22, 2022
1 min read
Michael Graw
Citi Simplicity® Card Summary
With the Citi Simplicity® Credit Card, you may be able to pay down your debt at a faster rate. This card offers an impressive 0% balance transfer APR for 21 months within the first 4 months of opening your account, and 0% purchase APR for 12 months. In addition to not charging an annual fee, the City Simplicity is one of the only credits cards that has no late fees or penalty APR for late payments.
  • Intro APR on purchases and balance transfers
  • No annual free, late fees, or penalty APR
  • Doesn't offer rewards
  • Requires good/excellent credit

Citi Simplicity® Card at a glance

Editorial score


No annual fee, has other fees

Eligibility (credit score)

Doesn't cover bad credit


FDIC insured, SSL/AES encryption and supports 2 factor and biometric authentication

Customer service

24/7 service with multiple communication options

Online experience

Excellent site and app with detailed FAQs, help center, and transparency of rates and features

Citi Simplicity® Card Citi Simplicity® Card Learn More

Michael Graw
Written by
Michael Graw
Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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