Citi Simplicity® Card

NoLate fees

Nopenalty rate

NoAnnual fee

Ever

Citi Simplicity Card

Plus, get our low intro APR for 21 months on balance transfers and for 12 months on purchases.

Pricing & InformationApply Now

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As of 6/1/2019. Ratings are selected from 5,656 customer reviews collected between 4/6/2016 and 6/1/2019.

0% INTRO APR on balance transfers for 21 MONTHS from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.74% - 26.74%, based on your creditworthiness.1

0% INTRO APR on purchases for 12 MONTHS from date of account opening. After that, the variable APR will be 16.74% - 26.74%, based on your creditworthiness.1

If you transfer a balance with this offer, interest will be charged on new purchases and unpaid introductory balances after your 0% introductory APR on purchases has expired, unless you pay the entire balance (including any transferred balance) in full each month by the due date.

There is a balance transfer fee of $5 or 5% of the amount of the transfer, whichever is greater.

Pricing & Information

Live the simple life.

  • Say goodbye to late fees.

  • Forget about a penalty interest rate.

  • Never pay an annual fee.

Benefits you can count on.

Access Your Score

Get free access to your FICO® Score, the key factors that affect it, and a personalized history graph.

Flexible Payment Date

Choose to pay your bill on any available due date in the beginning, middle, or end of the month.

Account Protection

Enjoy $0 liability on unauthorized charges, identity theft protection, and Fraud Early Warning.

What some of our cardmembers are saying:

Great credit card for balance transfers!

“I was able to take advantage of a few balance transfers and paid no interest. Looking forward to using this card again.”…

Great credit card for balance transfers!

“I was able to take advantage of a few balance transfers and paid no interest. Looking forward to using this card again.”

James, Citi Simplicity® cardmember

Great card

“I love this card especially the fact that is has no late fee due to my busy schedule, sometimes things get off track.…

Great card

“I love this card especially the fact that is has no late fee due to my busy schedule, sometimes things get off track. I also like that this card has no penalty rate and if anything goes wrong I have access to customer service anytime.”

Shirl, Citi Simplicity® cardmember

Easy to use when I need it

“My Citi Simplicity Card has been super easy to setup and use online and offers me flexible spending when I need it.”…

Easy to use when I need it

“My Citi Simplicity Card has been super easy to setup and use online and offers me flexible spending when I need it.”

Allison, Citi Simplicity® cardmember

Citi Simplicity Card

Get in the NO.

No late fees, no annual fee, and no penalty rate with our low intro APR for 21 months on balance transfers and for 12 months on purchases.

Apply NowPricing & Information