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Citi Credit Cards Review

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Michael Graw
Michael Graw
Sep. 22, 20224 min read

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.

Pros

  • Intro APR on purchases and balance transfers
  • No annual free, late fees, or penalty APR

Cons

  • Doesn't offer rewards
  • Requires good/excellent credit
Citi Simplicity® Cardat a glance
4.6

Editorial score

Fees

No annual fee, has other fees

4.0

Eligibility (credit score)

Doesn't cover bad credit

4.0

Security

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

5.0

Customer service

24/7 service with multiple communication options

5.0

Online experience

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

5.0

Citi Simplicity® Card Citi Simplicity® Card Learn More

Michael Graw
Written byMichael 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.‎

Citi Simplicity® Card
Citi Simplicity® Card
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