Zero in on a low intro rate.

  • 0% Intro APR on balance transfers for 21 months from date of first transfer.*

    After that, the variable APR will be % - %, based on your creditworthiness. All transfers must be completed in the first 4 months.*

  • 0% Intro APR on purchases for 12 months from date of account opening.*

    After that, the variable APR will be % - %, based on your creditworthiness.*

If you transfer a balance with this offer, interest will be charged on new purchases and unpaid introductory balances after your 0% introductory APR on purchases has expired, unless you pay the entire balance (including any transferred balance) in full each month by the due date.

There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening. After that, balance transfer fee will be $5 or 5% of the amount of the transfer, which ever is greater.*

Live the simple life.

*Pricing & Information

  • Say goodbye to late fees.*
  • Forget about a penalty interest rate.*
  • Never pay an annual fee.*

Benefits you can count on.

  • Access Your Score

    Get free access to your FICO® Score, the key factors that affect it, and a personalized history graph.

  • Flexible Payment Date

    Choose to pay your bill on any available due date in the beginning, middle, or end of the month.

  • Account Protection

    Enjoy $0 liability on unauthorized charges and Fraud Early Warning. For additional information on this, please visit for details.

What some of our cardmembers are saying:

  •    5 out of 5 stars

    Great credit card for balance transfers!

    “I was able to take advantage of a few balance transfers and paid no interest. Looking forward to using this card again.”*

    James, Citi Simplicity® cardmember

  •    4 out of 5 stars

    Great card

    “I love this card especially the fact that is has no late fee due to my busy schedule, sometimes things get off track. I also like that this card has no penalty rate and if anything goes wrong I have access to customer service anytime.”*

    Shirl, Citi Simplicity® cardmember

  •    5 out of 5 stars

    Easy to use when I need it

    “My Citi Simplicity Card has been super easy to setup and use online and offers me flexible spending when I need it.”

    Allison, Citi Simplicity® cardmember