The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

  • Citi Simplicity® Card

    A good no annual fee card for balance transfers

    • 0% Intro APR (then variable APR)Balance Transfer Offer
    • 21 monthsBalance Transfer Duration
    • 19.24% – 29.99% VariableAPR
    • $5 or 3% whichever is greater; $5 or 5% after first four months*Balance Transfer Fee
    • Good–ExcellentRecommended Credit

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With the Citi Simplicity® Card, you have a 0% intro APR period on purchases made in the first 12 months while also having a 0% intro APR period for balance transfers in the first 21 months. These first few months are the ideal period to build your credit history. Then, your variable APR is based on your creditworthiness and ranges from 18.99% – 29.74%. Not having to pay an annual fee or late fees are also major perks.

Citi Simplicity® Card Overview

Quick Take

  • You need to pay an Introductory Fee- either $5 or 3% of the amount of each transfer, whichever is greater for the first four months of account opening, after that balance transfer fee of $5 or 5% after the first four.
  • You can have a flexible payment due date that can adjust to your unique situation.
  • 0% intro APR for purchases for 12 months and 0% intro APR for 21 months on balance transfers, then variable APR will be 18.99% – 29.74% thereafter
  • No annual fees.

Important Card Details

Since credit cards come with different fees and terms, it’s wise to understand the fine print before applying.

  • highInterestAPR icon

    Regular APR

    Your creditworthiness determines your variable APR. You could pay between 18.99% – 29.74%.

  • balanceTransfer icon

    Balance transfer fee

    This costs either $5 or 5% of the amount of each credit card balance transfer, depending on which is greater.

  • noForeignTransactionFee icon

    Foreign transaction fee

    For every international transaction you make, you’ll pay 3% of the total.

Additional Benefits

Aside from no annual fee, the Citi Simplicity® Card offers additional features that cardholders may find beneficial.

  • Contactless pay: Since the card is chip-enabled, you can tap your card on payment readers for convenience.
  • $0 liability on unauthorized charges: You won’t be held liable if there’s a charge on your account that you didn’t authorize.
  • Citi Identity Theft Solutions: With Citi, you can resolve identity theft issues easily.
  • 24/7 customer service: If you need quick access to a representative, Citi offers help whenever you need it.
  • Flexible payment date: You choose the monthly date when you pay the minimum or full balance on your card.

How the Citi Simplicity® Card Compares To Other Cards

The Citi Simplicity® Card offers no annual fee, no late fee and more. While these are great perks, it’s advisable to compare them with similar cards to ensure you get the card that best fits your needs.

How the Citi Simplicity® Card Compares

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Citi Simplicity® Card

  • APR: 18.99% – 29.74% variable
  • Annual Fee: $0
  • Balance Transfer Fee: 5%
  • Mini Verdict: Best for individuals that are looking to make big purchases or transfer a balance
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Wells Fargo Platinum Card

  • APR: 16.49% to 24.49%
  • Annual Fee: $0
  • Balance Transfer Fee: 3%-5%
  • Mini Verdict: Ideal for people who want to rebuild credit

Frequently Asked Questions

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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