Our take

The card proves its name, it is simple and fair. The Citi Simplicity® card has no annual fee, no hidden costs like fees and penalties for late payments, and what’s even more pleasant, it waives interest for the whole 18-month long introductory period not just defers it. This is a brilliant combination of features if you are eager to pay down your debt without any pitfalls.

Details
  • 0% Intro APR on purchases and balance transfers for 18 months.
  • After that the variable APR will be 14.49% - 24.49%, based on your creditworthiness.
  • Balance Transfer Fee: Either $5 or 3% of the amount of each credit card balance transfer, whichever is greater.
  • Extended Warranty and $0 Liability on Unauthorized Charges.
  • Worldwide Car Rental Insurance.
  • Citi Price Rewind searches for a lower price on the registered items you pay for with your Citi card at hundreds of online merchants.
Pros
No Annual Fee
No Penalty APR
0 APR on purchases and balance transfer for 18 months
Cons
No rewards
Recomended Credit score
Poor
300
Fair
630
Good
690
Excellent
720
850
Balance transfer offer
Balance transfer intro apr
0%
Balance transfer intro apr duration
18 months
Balance transfer regular apr
15.24-25.24%
variable
Balance transfer fee
3%
min $5
Rates and fees
Purchase regular apr
$15.24-25.24
variable
Cash advance apr
14.49-24.49%
variable
Regular annual fee
$0
Cash advance fee
5%
min $10
Foreign transaction fee
3%
Late payment fee
$0
Return payment fee
up to $35
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