Credit Cards (US)

Citi Simplicity® Credit Card review

Wondering if the Citi Simplicity® credit card is right for you? Here's a review of all the features and benefits to help you decide.


by Vinicius Barbosa

Published on 12/24/2022

Citi Simplicity® Credit Card: Transfer a balance, save money and pay it off faster!

Citi Simplicity® Credit Card
If you need a credit card for everyday use, look at this one. Source: The News Stacker.

Are you tired of confusing credit card fees and losing track of your monthly payments? If so, it’s time to switch to a card that simplifies the process. In this Citi Simplicity® Credit Card review,  you’ll discover why this could be ideal for veteran and novice credit users.

Citi Simplicity® Credit Card

How to apply for the Citi Simplicity® Credit Card

Looking for a no-frills credit card? Check out the Citi Simplicity® Credit Card. Learn how to apply and see if it's the right card for you.

  • Credit Score: You’ll need a good to excellent credit score. In number, it’s from 690 to 850.
  • Annual Fee: You won’t have to pay an annual fee for this card
  • Intro offer: There is no intro offer for this card
  • Rewards: There are no rewards for this card
  • APRs: 0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases. After that, it’s a 17.74%-28.49% Variable APR.
  • Other Fees: Balance transfer fee and Foreign transaction fee of 3%

The Citi Simplicity® Credit Card it’s an incredibly popular card, offering long-term 0% introductory APR on purchases and balance transfers, plus no late fees, annual fees, or penalty rates – ever! 

And with a 24/7 customer service center available 365 days a year, this reliable card has everything you need to stay in control of your finances.

So if all that sounds appealing, keep reading – we’ll delve into how this card can help make managing your money easier.

Citi Simplicity® Credit Card: What can you expect?

Citi Simplicity® Credit Card is a great option if you’re looking to transfer a balance and pay off the debt within an extended period.

Its 0% intro APR on balance transfers can help you save money and pay debt much faster. 

Just note that Citi Simplicity® Card does not earn you any rewards, so it might not be the most rewarding card for this purpose.

In addition, the fee for transferring your balance means you’ll save less than initially thought. 

But if you have been known to miss payments, Citi Simplicity® could be the best fit for you – it doesn’t charge any late fees and won’t punish you with a penalty APR.

Keep reading our Citi Simplicity® Credit Card for more information on this card.

Do the pros outweigh the cons?

Citi Simplicity® Credit Card
A simple card to use on every purchase. Source: Canva.

While the Citi Simplicity® Credit Card has its advantages, there are some drawbacks you should consider. Check out the pros and cons below before making a decision.


  • This card has no annual fee
  • Intro APR period


  • This card doesn’t offer rewards
  • Also, there’s no bonus offer for new cardholders
  • A good/excellent credit is required

What are the eligibility requirements?

If you’re looking to apply for a Citi Simplicity® Credit Card and take advantage of its benefits, your credit score must rank between 690-850 – Good to Excellent! 

This will ensure all the advantages are accessible at your fingertips.

Learn how to request the Citi Simplicity® Credit Card

If after reading the Citi Simplicity® Credit Card review, you want to apply for one, the application couldn’t be any easier.

If you already meet its prerequisites, all that’s left to do is follow this link and look at our thorough guide on applying – an effortless process awaits!

Citi Simplicity® Credit Card

How to apply for the Citi Simplicity® Credit Card

Looking for a no-frills credit card? Check out the Citi Simplicity® Credit Card. Learn how to apply and see if it's the right card for you.

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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