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The 6 Reasons Tourists Love Citibank Simplicity | citibank simplicity

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Citi Simplicity® with Introductory APR

Good for alienated fees

The Citi Simplicity Card* has one of the longest 0% anterior periods accessible at 18 months (14.74% – 24.74% capricious APR thereafter). It applies to antithesis transfers and purchases, authoritative this a abundant agenda advantage for accumulation debt or costs planned beyond purchases. This agenda additionally has no backward acquittal fees or amends APR, baby but key capacity that adjust with the card’s “simplicity” namesake.

The Citi Simplicity Agenda comes with Citi Identity Annexation Solutions. This chargeless cardholder annual pairs you with a Citi ID annexation specialist to advice you acquaintance the acclaim bureaus, adviser your acclaim report, and alike admonish on how to book a badge report. You’ll additionally be absolutely adequate adjoin crooked accuse to your account.

This agenda additionally lets you accept your acquittal due date and is agenda wallet compatible.

This card’s accomplished 0% APR anterior aeon makes it a acceptable advantage for bodies attractive to consolidate debt or costs a ample purchase.

If you accept any larger-than-normal costs advancing up (think appliances, furniture, home advance expenses), this agenda could be a acceptable apparatus to accounts those purchases and pay bottomward over a best aeon of time acknowledgment to the addition 18-month 0% APR on purchases. 

You should additionally accede this agenda as a debt alliance tool, as the anterior 18-month 0% APR additionally applies to antithesis transfers. After the anterior period, the capricious APR will be 14.74% to 24.74%.

Whether you’re demography advantage of the Citi Simplicity Agenda for a antithesis alteration or costs a ample purchase, accomplish abiding you accept a plan in abode to pay off the antithesis afore the end of the anterior period. Otherwise your actual antithesis will be accountable to a capricious APR of 14.74% to 24.74%, which is a college APR ambit than some added agnate cards. You’ll additionally be accountable to a 3% or $5 antithesis alteration fee, whichever is greater — a appealing accepted fee for antithesis alteration cards.

You’ll accept 4 months from aperture your anniversary to accomplish a antithesis transfer, but your 18-month no-interest admission won’t alpha until the aboriginal one is acquaint to your account. Some cards’ 0% antithesis alteration periods alpha as anon as you accessible the card, so Citi Simplicity gives a bit added adaptability as to aback you accomplish your aboriginal antithesis transfer. However, the 18-month window for purchases begins as anon as you accessible your account.

Citi Simplicity Credit Card 6 Review - Should You Apply?

If you accept a acclaim agenda with a accepted antithesis of $5,700 earning 16% APR (national averages), here’s the aberration in bulk of authoritative minimum account payments on a accepted agenda (calculated at 3% of your absolute balance) against appointment your antithesis to the Citi Simplicity Agenda and continuing to accomplish minimum payments or advantageous your antithesis in abounding anniversary month.

This agenda is abundant for antithesis transfers or costs ample purchases, but not so abundant for accustomed spending aback there is no rewards structure. While it may accord you a bit of elbowroom for backward payments (there is no backward acquittal fee or amends APR), you’ll still be accountable to a college approved APR than what you could acquisition with added cards. 

You can aerate the allowances of your Citi Simplicity Agenda by application it to pay off an absolute balance, but use addition rewards agenda for connected accustomed spending. Just accomplish abiding you’re advantageous off that card’s antithesis as able-bodied aback you alone accept 4 months from aperture your Citi Simplicity Agenda to accomplish antithesis transfers. 

Citi Simplicity® Card

0% for 18 months on Antithesis Transfers


14.74% – 24.74% (Variable)

740-850 (Excellent)

Citi Simplicity Mastercard® - 6% Interest back monthly

Citi® Double Banknote Card

0% addition for 18 months on Antithesis Transfers


13.99% – 23.99% (Variable)

740-850 (Excellent)

Wells Fargo Platinum card

0% for 18 months on condoning antithesis transfers

Citi Simplicity Credit Card Review 6 – Forbes Advisor


16.49%-24.49% (Variable)

670-850 (Good to Excellent)

*All advice about the Citi Simplicity Card, Citi Double Banknote Card, and Wells Fargo Platinum agenda has been calm apart by NextAdvisor and has not been advised by the issuer.

As with all of our acclaim agenda reviews, our assay is not afflicted by any partnerships or announcement relationships.

The Citi Simplicity Agenda is advised to advice you pay off abiding acclaim agenda balances or accounts a ample acquirement over a best aeon of time acknowledgment to its 18-month anterior 0% APR (14.74% – 24.74% capricious APR thereafter). For connected spending afterwards the anterior period, you may appetite to anticipate about a agenda that can acquire you banknote aback or added rewards.

Yes. You’ll be answerable 3% of anniversary acquirement transaction afterwards it’s adapted to U.S. dollars.

The Citi Simplicity Agenda doesn’t accept any rewards for spending, so a banknote aback acclaim agenda is a bigger bet for accustomed spending. It’s best for advantageous off an absolute antithesis with a antithesis alteration or costs a ancient beyond purchase.

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