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City Simplicity card Review

The basics

Balance transfer details

Intro APR


Intro Period

21 months


3% or $5 whichever is greater

Annual Fee


Regular APR

18.49% - 29.24% var

Credit Score Required


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.

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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


Penalty APR


Sign up Bonus


Foreign Transaction Fees


Late Fees

After 1 year, $41



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

Most suitable for

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