Citi Simplicity Card Review With Pro And Cons – 14 Points


1. Citi Simplicity card offers longest intro balance transfer period with no late fees and penalties. If you are ok with 5 % balance transfer fee then this is a great card for paying down large balance.



Long 0% balance transfer offer

High Balance transfer fee

0% intro apr on purchase

Shorter 0% purchase offer

No annual fee

High regular APR

No Late Fee

Good credit Required

No penalty rate

3% Foreign transaction fee

You can choose your due date.

No rewards

2. Intro Apr On Balance Transfer:

0% intro apr on balance transfer for 21 months. (transfers must be completed in first 4 months)

3. Intro Apr On Purchase:

0% intro apr on purchase for 12 months.

4. Annual Fee:


5. Regular Apr:

16.74% – 26.74% (variable)

6. Balance Transfer Fee:

5% Min $5

7. Foreign Transaction Fee:


8. Cash Advance Apr:

16.74% – 26.74%* (V)

9. Cash Advance Fee:

5% Min $10

10. Customer Experience:

24/7 customer service?: Yes
Online chat available?: Yes
Google Play Store mobile app rating: 3.9/5
Apple Store mobile app rating: 4.8/5

11. Other Features:

No late fees
Damage and theft protection
No penalty fees
Extended warranty
EMV chip
Low interest rate on cash advances
Citi Price Rewind

12. Get Citi Simplicity Card If:

If you are more interested in paying down large balance than earning rewards.
If you sometimes struggle to remember your bill’s due date.
If you are looking for the longest 0% intro balance transfer period.
If you are interested in perks like Citi Price Rewind, damage and theft protection.

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