City Simplicity card

The basics

Balance transfer details

Intro APR

0%

Intro Period

21 months

Fee

3% or $5 whichever is greater

Annual Fee

$0

Regular APR

18.49% - 29.24% var

Credit Score Required

Good

Good for: Extended 0% intro APR period on balance transfers

Our verdict

This is a no-frills basic card that is excellent for balance transfers—because of the two 0% balance transfer periods—and for people with good credit. Also, remember the card has a regular APR of 18.24% - 28.99% that starts after the 21-month period.

Apply Now

Beyond the basics

0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases

Purchase APR

0% for 12 months

Cash Advance APR

29.74%

Penalty APR

-

None

Foreign Transaction Fees

3%

Late Fees

After 1 year, $41

Network

Mastercard

Full review

Lender description Citi provides a wide range of financial services and products for consumers, companies, and government agencies and institutions with a goal of enabling growth and economic progress.

Best used for

Paying down long-term debt

Pros & cons

Flexibility on choosing payment date

No late penalty

Low balance transfer fee, which makes transferring debt easier

No rewards but 0% intro APR on purchases and balance transfers

No sign-up bonus

After the 0% APR period is over, card usage incentive is low No welcome bonus 3% balance transfer fee (with a minimum of $5) for four months after opening account

Card reward details No rewards

How to apply Apply online or by phone at 1-877-645-3708. Existing Citi customers will have a shortened application.

Available The Citi Simplicity Card is available nationwide.

Balance transfer example

City Simplicity card Review