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The Citi Simplicity card is one of the best balance transfer cards on the market. Balance transfers allow customers to take balances on other cards and transfer them to the Citi Simplicity card to make paying off debts easier and more affordable. The balance transfer APR is 0%, so you go from paying interest along with your payment each month to paying just your payment. Getting out of debt has never been easier or more affordable than it is with this card in hand.

APR Policies

citi-simplicity-credit-cardWhen you sign up for a Citi Simplicity card, you get to take advantage of 0% APR on all balance transfers for 21 months. That’s significant savings on any debts you’re transferring to pay off without paying interest. When you pay off all your balance transfers before the introductory period is up, you pay no interest at all. When you don’t pay it off, you will see interest accrue from the time you transferred your balances. It costs $5 or 3% of the amount transferred to move balances from other cards to the Citi Simplicity card. You’ll pay whichever amount is greater.

When your introductory period ends, your APR is 13.24% to 23.24%. Your credit score, payment history, and overall credit profile are used to determine the amount you pay in interest each month. The introductory period doesn’t apply to any purchases you make. Those accrue interest anytime they are not paid in full when the bill is due.


The Citi Simplicity card is great for anyone who likes to be in control of their finances without worrying about raised rates or fees. There is no annual fee associated with the Citi Simplicity card. There is no fee for paying late, and your interest rate does not go up if you make a payment just a little late. It’s always a good idea to call and let the company know if you make a late payment for some reason, just to be on the safe side.


There are no rewards associated with the Citi Simplicity card. Unlike some cards that allow customers to earn miles or points with their spending, this card offers no rewards for customers. It’s best used by those who want to have enough time to pay off existing debts without payment more in interests, but it’s good for anyone who just wants a card in their wallet for emergency situations. It’s a no-frills credit card all the way, but Citi is one of the most reputable card companies in the world.

With access to customer service at any time, protection against fraudulent purchases, and the ability to speak to a service rep simply by saying the word, “representative,” when calling the company, cardholders prefer this card to others. It’s great for those who pay off balances in full each month, don’t do much spending, and want to pay off their debts without paying fees for each debt. This card is for anyone with good to excellent credit.