Citi Simplicity Credit Card

For consumers looking for a basic debt management card, the relatively long 0% APR introductory period of the Citi Simplicity Card is an attractive reason for consideration. Rather than getting stuck in an endless cycle of minimum payments and interest charges, a card like the Citi Simplicity could help alleviate the stress of accumulating debt.

The Citi Simplicity card is a simple card with no annual fee that is best used for balance transfers during the 0% APR introductory period. The card does not offer a rewards program, so it is more useful for those looking for other benefits.

0% Intro APR for 21 months on balance transfers from the date of first transfer and 0% Intro APR for 12 months on purchases from the date of account opening. Thereafter, the variable APR will be 18.24% to 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.

Introductory rates of 0%

The Citi Simplicity card offers a 0% introductory APR for 21 months on balance transfers from the date of first transfer and 0% introductory APR for 12 months on purchases from the date of account opening. Click the button below and apply for your card:

Variable APR

Thereafter, the variable APR will be 18.24% to 28.99%, based on your creditworthiness. There is an initial balance transfer fee of $5 or 3% of the transfer amount, whichever is greater, for transfers made within 4 months of account opening. After that, a balance transfer fee of $5 or 5% of the value of each transfer, whichever is greater, applies.

Automatic account alerts

A great benefit of the Citi Simplicity Card is that you can keep track of all your account information through digital means, cardholders can stay informed in real time with automatic alerts about balance levels, payments due, credit limit information and more via email or directly on a cell phone. Click the button below and apply for your card: