Citibank Credit Cards
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Citi Simplicity® Card

The following Citi Simplicity® Card brought to you by Citibank gives new cardholders a simplified line of credit with fast 24/7 customer service and no penalties or fees for missing a payment due date.

Citi Simplicity® Card
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
Introductory Period Info
Regular APR
Annual Fee
Balance
Transfers
Credit Needed
0% Intro APR for 18 Months on Balance Transfers* and 18 Months on Purchases*
12.99% - 21.99%* (Variable)
$0*
Yes*
Excellent*

Editor's Review: The Citi Simplicity® Card is a brand new card from Citibank that gives new cardholders a simplified line of credit with fast person-to-person customer service that says goodbye to penalties and fees for missing a payment due date.

The Citi Simplicity® Card features an outstanding introductory 0% APR on both purchases and balance transfers for 18 months starting from when the account is opened.

Citi Simplicity® has no annual fee and features a comparably low ongoing variable APR that will not change if you make a late payment. You won’t be charged for late-payment fees either should you miss a payment due date.

The Citi Simplicity® Card also eliminates those frustrating automated voice recording when trying to reach customer service. Citi’s representatives are available 24 hours a day, 7 days a week to immediately answer any questions or concerns that you might have. Simply verify your account number and ask for a “representative” and you’ll be put right through.

(Review Date: January 14, 2014)