Home › Compare credit cards › Citi Simplicity Card
Credit card review
Citi Simplicity Card review
Best for: Balance carriers who want a long 0% window with no late fees — ever.
The debt-payoff specialist: 18 months of 0% on both purchases and balance transfers, with no late fees and no penalty APR — ever. The catch: no rewards at all.
How we make money (or don't): BidAsk currently has no affiliate relationships
with these card issuers and earns no commission if you open an account — the links below go directly
to each issuer's own site. See our full disclosure.
Annual fee
$0
Rewards
None
Intro APR
0% for 18 months (purchases and balance transfers)
Regular APR
17.49%–28.24% variable
Welcome offer
None
Foreign transaction fee
3%
Citi advertises no late fees and no penalty APR — confirm the current terms on Citi's site.
Standout features
- 18 months of 0% intro APR on both purchases and balance transfers.
- No late fees — ever — and no penalty APR.
- Generous 4-month window for the 3% intro balance-transfer fee (then 5%).
Honest drawbacks
- No rewards and no welcome offer — it's purely a debt tool.
- 3% foreign transaction fee.
- Regular APR runs up to 28.24% variable once the intro ends.
Visit Citi Simplicity Card →
Link goes directly to Citi Simplicity Card's own site. Card terms verified September 2026. Issuers change rates, fees, and welcome offers without notice — confirm current terms on the issuer's site before applying.
Sources
- Citi Simplicity (official) (checked Sep 2026)
- Motley Fool: Citi Simplicity review (checked Sep 2026)
Keep comparing
Chase Freedom Unlimited
Best for: Cash-back beginners who want simple rewards plus a long 0% intro APR
Citi Double Cash Card
Best for: Anyone who wants a flat 2% back on everything with zero effort
Discover it Cash Back
Best for: Deal-hunters who'll activate the rotating 5% categories
Wells Fargo Active Cash Card
Best for: Set-and-forget spenders who want 2% on everything