Introductory rate of % for months from date of account opening on purchases and an introductory rate of % for months from date of first transfer for balance transfers. Balance transfers must be completed within 4 months of account opening. After that, the standard variable APR for purchases will be applied to unpaid introductory balances, new purchases and new balance transfers. The standard variable APR for purchases is % — %, based on your creditworthiness. The standard variable APR for Citi Flex Plan is % — %, based on your creditworthiness. The standard variable APR for cash advances is %. Please note that these rates will vary with the Prime Rate. Minimum interest charge – $0.50. Annual Fee – None. Fee for foreign purchases – 3% of the U.S. dollar amount of each purchase. Cash advance fee – either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee – either $ or % of the amount of each transfer, whichever is greater. New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.
CITI SIMPLICITY® CARD Low Intro APR on Purchases and Balance Transfers
Get % Intro APR for months on purchases from the date of account opening and % Intro APR for months on balance transfers from the date of first transfer. After that, the variable APR will be % - %, based on your creditworthiness, for purchases and balance transfers where we pay creditors directly. Plus enjoy no annual fee.*
Balance Transfer Fee: Either $ or % of the amount of each credit card balance transfer, whichever is greater.*
If you transfer a balance with this offer, interest will be charged on new purchases and unpaid introductory balances after your % introductory APR on purchases has expired, unless you pay the entire balance (including any transferred balance) in full each month by the due date.
Balance transfers must be completed within 4 months of account opening.
Apply by Phone: 1-800-492-2127
TTY: Use 711 or other Relay Service
BALANCE TRANSFER CREDIT CARD BENEFITS
Take advantage of a % intro rate on credit card purchases and balance transfers when you open an account. Plus, enjoy no late fees, no penalty rate and no annual fee* - ever. Apply for the Citi Simplicity® credit card today and experience all the benefits it has to offer.
% Intro APR for months on purchases from date of account opening. After that, the variable APR will be % - %, based on your creditworthiness.*
% Intro APR for months on balance transfers from date of first transfer. After that, the variable APR will be % - %, based on your creditworthiness, for purchases and balance transfers where we pay creditors directly.* Balance transfers must be completed within 4 months of account opening.
CITI SIMPLICITY® CARD FAQs
The Citi Simplicity® Card does not earn rewards. It is the only Citi card that offers no late fees, no penalty rate and no annual fee.1
Just like the name of the card itself, the application process for the Citi Simplicity Card was designed to be straightforward. Learn more and apply online.
If you have a balance transfer offer on your Simplicity® Card, follow these steps:
- After receiving your Citi Simplicity® Card, you can call the customer service number located on the back of your card to transfer balances. Balance transfer offers can be a promotional rate or at the standard purchase rate.
- If you took a balance transfer with your application, it takes a minimum of 14 days to process after your Citi Simplicity® Card account is opened. During this time, you may cancel or modify your balance transfer request by calling the customer service number located on the back of your Citi Simplicity® Card.
- You may transfer any type of balance, but the total amount of your balance transfer (including balance transfer fees) must be less than your available credit limit. Please ensure you do not transfer any disputed purchases or other charges, because you may risk losing your dispute rights. You cannot transfer balances from other accounts issued by Citi® or its affiliates. If you are unsure of the issuer on your account, please review a list of Citi® products and its affiliates here.
- You are asked to continue to make payments on your other accounts until it is confirmed that the transferred balance was received by them. Once approved, Citi® will pay the balance transfer amount directly to the issuer. At this time, the available credit limit on your new Citi Simplicity® Card will reflect a reduction of the total amount of balance transfers, including applicable fees.
One of the exciting Citi Simplicity® Card introductory perks is its low intro APR on balance transfers and purchases. The maximum length of the low intro APR offer may vary depending on the time of application as well as the applicant’s creditworthiness.
Plus, the Citi Simplicity® Card has no annual fee - ever, which is one of the many ways it keeps things simple.1
The Citi Simplicity® Card is issued on the Mastercard® network and provides Cardmembers with exceptional value through its low intro APR, no late fees, no penalty rate and no annual fee - ever.1
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 U.S. dollar amount of each purchase. But with no late fees and no penalty rate, Cardmembers can enjoy more peace of mind.1
Is there a balance transfer fee associated with the Simplicity® Card?
Yes, there is a balance transfer fee associated with the Citi Simplicity® Card. Balance transfers will have a fee of either $5 or % of the amount of each transfer, whichever is greater1.
What is the Citi Simplicity® Card balance transfer offer?
Just like the name of this credit card, the Citi Simplicity® Card was designed to be straightforward for its Cardmembers. Among other great benefits, it offers a low introductory APR on balance transfers and purchases. See the latest Simplicity offer.
Is there a period with no interest charge on purchases and balance transfers with the Citi Simplicity® Card?
Yes1. See the latest Simplicity offer. One of the exciting ways the Citi Simplicity® Card celebrates new Cardmembers is through introductory perks like its low intro APR on purchases and balance transfers.
Is there a balance transfer limit on the Citi Simplicity® Card?
Citi Simplicity® Card members are eligible to transfer any balance amount, as long as the total amount of their balance transfer to their Citi Simplicity® Card (including balance transfer fees) is less than their available credit limit.
Does Citi® charge late fees on the Citi Simplicity® Card?
No, Citi does not charge late fees on the Citi Simplicity® Card — it's one of the many great perks of being a Citi Simplicity® Cardmember.1
What are the fees associated with the Citi Simplicity® Card?
Some of the key benefits of the Citi Simplicity® Card are that it does not charge an annual fee1 and there are no late fees1.
However, cardholders may be charged other fees such as balance transfers, cash advances and foreign purchase transactions. Full information about these fees can be found in the documentation that comes with your card.
How do I open a Citi Simplicity® Card account?
It's very straightforward to open a Citi Simplicity® Card account. Learn more and apply online.
What are the benefits of the Citi Simplicity® Card?
The Citi Simplicity® Card offers Cardmembers exceptional benefits that helps keep things simple, because we know there are much more important things in life. As a result, Citi Simplicity® Card offers:
- No late fees
- No penalty rate
- No annual fee — ever1
Other great benefits include:
- Flexible payment due date
- 24/7 direct-to-rep customer service
- $0 liability on unauthorized charges
We weren't kidding when we said we like to keep things straightforward.
Does the Citi Simplicity® Card have an annual fee?
No, the Citi Simplicity® Card does not have an annual fee — ever.1 It's one of the many ways we keep things straightforward with this credit card for our Citi Simplicity® Cardmembers.
CITI SIMPLICITY® CARD RATINGS AND REVIEWS:
Please note that the terms and benefits of this product may change over time.
Citi does not guarantee the accuracy of these reviews. Benefits, fees, terms, and offers mentioned in reviews may change over time.
Apply by Phone: 1-800-492-2127
TTY: Use 711 or other Relay Service