Credit Cards (US)

See how to apply for the Citi Simplicity® Credit Card

Learn how to apply for the Citi Simplicity® Credit Card with ease! It's quick, painless and you'll learn about other great benefits.


by Vinicius Barbosa

Published on 12/24/2022

Citi Simplicity® Credit Card: No late fees or penalty rates

Citi Simplicity® Credit Card
Apply online for this credit card. Source: The News Stacker.

If you need help paying off that pesky credit card debt, apply for the Citi Simplicity® Credit Card. It’s one of the best balance transfer cards on the market. 


Credit Card

Citi Simplicity®

zero fees intro APR

Now you can have a Citi credit card with no annual fee. See how to apply!

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As a holder, you’ll be able to take advantage of 21 months at 0 percent interest on balance transfers made within the first four months.

Plus, an additional 0 percent APR for 12 months on purchases starting from the day your account is opened. Which is almost unheard of in terms of balance transfer length. 

Plus, there are no annual fees! The intro transfer fee is 3 percent (or $5 minimum), but after that, it drops to $5 or 5 percent. 

Learn how to get the Citi Simplicity® Credit Card online

man using laptop for Citi Simplicity® Credit Card
Go to the Citi website and apply for this credit card if you think it’s a fit. Source: Canva.

If you’re looking to apply for the Citi Simplicity® Credit Card, you can do it online in just a few clicks! You can access the application process directly from Citi’s website. 

Start by selecting ‘Credit Cards’ from the top menu, then go to the Balance Transfer Credit Cards section. 

The Citi Simplicity® Credit Card should be featured as the fourth option. 

After that, clicking on apply now will start a straightforward application process that requires filling out your personal information.

With minimal effort and time, you could soon have this credit card with all its great features!

How to get it using the app

With just a few clicks, you can apply for the Citi Simplicity® Credit Card and access convenient mobile banking features. 

With the Citi Mobile App, you’ll get an all-in-one overview of your finances and exclusive personal insights into your spending and savings activities. 

No matter where you are, you can access account information from your phone quickly and securely.

What about a similar credit card? Chase Freedom® Student credit card

Citi Simplicity® Card is worth considering if you are looking for ways to manage existing debt, but do your research and look into all other options before making your final decision.

The Chase Freedom® Student credit card is a great choice for people in its class looking to build their credit. 

With no annual fee, lots of incentives, and the potential to upgrade it to Chase’s higher-end cards, this student-specific card makes it easy for those with thin or nonexistent credit files to get access.

Follow the link below to learn more about the card’s features, plus how you can apply for it.

Chase Freedom® Student credit card

How to apply for the Chase Freedom® Student card

A student credit card can help you build your credit history. Here's a guide on how to apply for the Chase Freedom® Student credit card.

About the author

Vinicius Barbosa

Vinicius Barbosa is a writer of finance-related content on this portal. Graduated in Social Communication, he writes about everything that involves the world of finances, from credit card recommendations to investment tips, for readers who want to make better decisions when it comes time to spend their money or invest wisely.

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