Citi Simplicity® Card
Read our editors' review and rating, compare interest rates and fees, and apply for the Citi Simplicity® Card now.
— Editor’s Pick: If You Carry a Balance — The Citi Simplicity® Card is an ideal choice for cardholders who carry a balance. There is an attractive 0% intro APR for 18 months and there are no late fees and no penalty rates.
- 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.
- Peace of mind through direct access to a service representative, no late fees and no penalty rate
- No annual fee*
FICO Req’d
Intro
Regular APR
Fee
Good
0%/18 Mos.
12.99% – 21.99% V
None
Important: We take care to ensure all card terms described on this website are accurate and up-to-date. Creditors change terms, including APRs, frequently, however. While we usually update our reviews within 1-5 days of notification, never apply for or accept any credit offer before carefully reviewing the offer terms and conditions found directly on the creditor's website.