Citi Simplicity Credit Card Review

Citi Simplicity Credit Card

The mission of Citi Simplicity Credit Card is to become the best financial service partner for customers and help them achieve their goals of economic growth and progress. They achieve this goal by providing strategic, financing and operational insights, and implementing tailored product and service solutions across borders and domestically. The Institutional Clients Department (ICG) responds to the changing needs of customers through its long-established relationship coverage method, and provides customer solutions that use all relevant capabilities of Citi, including access to the global financial market as widely as possible. No other organization can match their combination of global insights, customer relationship management services, geographic coverage, and local and cross-border product expertise.

Pros & Cons Analysis of Citi Simplicity Credit Card


  • 0% intro APR for 21 months

  • $0 annual fee


  • no rewards or cash back provided

  • no new cardholder bonus offer

Citi Simplicity Credit Card Highlights

Balance transfer credit card benefits: When you open an account, use the 0% referral rate for credit card purchases and balance transfers. In addition, there will never be late fees, fines and annual fees. Apply for a Citi Simplicity® credit card now and experience all the benefits it offers. The 0% annual interest rate is introduced for the purchase of 18 months from the date of opening the account. After that, depending on your reputation, the variable APR will be 14.74%-24.74%. From the date of the first transfer, 0% of the balance transfer within 18 months introduces APR. After that, the variable annual interest rate will be 14.74%-24.74%, depending on your creditworthiness, and the balance transfer must be completed within 4 months of opening the account.

Feacures: Citi Simplicity® card does not earn rewards. It is the only Citi card that does not charge late fees, fines, and annual fees. Just like the name of the card itself, the Citi Simplicity Card application process is designed to be very simple. Learn more and apply online. If you have a balance transfer discount on your Simplicity® card, please follow the steps below: After receiving your Citi Simplicity® card, you can call the customer service number on the back of the card to make a balance transfer. The balance transfer offer can be a promotional price or a standard purchase price. If you make a balance transfer when you apply, it will take at least 14 days for processing after opening your Citi Simplicity® card account. During this period, you can call the customer service number on the back of the Citi Simplicity® card to cancel or modify your balance transfer request. You can transfer any type of balance, but your total balance transfer (including balance transfer fees) must be less than your available credit limit. Please make sure that you do not transfer any disputed purchases or other costs, as you may lose your right to dispute. You can't transfer balances from Citi® or its affiliates' other accounts. If you are not sure of the issuer of your account, please view the list of Citi® products and their affiliates here.

Benefits: Citi Simplicity® Card provides cardholders with excellent benefits and helps to make things easier because they know there are more important things in life. Therefore, Citi Simplicity® Card provides: no late fees, no penalty rates, and no annual fees. Other great benefits include: flexible payment due dates, 24/7 direct customer service, and $0 liability for unauthorized charges. When they say they like to make things straightforward, they are not joking. There is never an annual fee for the Citi Simplicity® card. 1 This is one of the many ways they use this credit card to keep it simple and clear for Citi Simplicity® cardholders.

FQA of Citi Simplicity Credit Card

  • How long does the Citi Simplicity Card have a low intro APR for?

    One of the introductory privileges of the existing Ccti Simplicity card is its low APR for the introduction of balance transfers and purchases. The maximum period for low introduction APR benefits may vary depending on the time of application and the creditworthiness of the applicant. In addition, Citi Simplicity Card has no annual fee-forever, this is one of the many ways it keeps it simple.
  • Does the Citi Simplicity® Card have a foreign transaction fee?

    Yes, the Citi Simplicity® card does charge a foreign transaction fee, which is 3% of the dollar amount of each purchase. But there are no late fees and fines, and cardholders can enjoy more peace of mind. Citi Simplicity® cards require payment of balance transfer fees. Balance transfers will be charged a fee of US$5 or 3% of each transfer amount, whichever is higher1.
  • What is the Citi Simplicity® Card balance transfer offer?

    Like the name of this credit card, the design of the Citi Simplicity® card is very simple for its cardholders. In addition to other huge benefits, it provides a low introductory APR in terms of balance transfers and purchases. Check out the latest Simplicity offers and Citi Simplicity® Card. One of the exciting ways to celebrate new card members is through introductory benefits such as low introductory APR for purchases and balance transfers.

Related Citi Simplicity Credit Card Coupons uses cookies to ensure that we give you the best experience on our site. If you continue, assumes that you consent to our Cookie Policy.