Citi Simplicity
No fee
Citi
Citi Simplicity
4.3
(1,876 reviews)balance transfer
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026The stress-free balance transfer card with the industry's longest 0% intro APR period and a truly forgiving policy — no late fees, no penalty APR, ever. If you're carrying high-interest debt on another card, transferring to Citi Simplicity for 21 months gives you nearly two years to pay it off interest-free.
Annual Fee
No annual fee
Purchase APR
19.24% – 29.99%
Rewards
No rewards
Sign-Up Bonus
None
Credit Score
Good (670-749)
Foreign Txn Fee
3%
Who Should Get This Card
The Citi Simplicity is best suited for established credit users who paying off high-interest credit card debt. With no annual fee, there's zero cost to keep it in your wallet long-term.
This card is great if you…
- 21 months 0% on balance transfers
- No late fees ever
- No penalty APR
- Paying off high-interest credit card debt
Consider another card if you…
- No rewards
- 3% foreign transaction fee
- 5% balance transfer fee (min $5)
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 19.24% – 29.99% |
| Intro APR (Purchases) | 0% for 12 months |
| Intro APR (Balance Transfer) | 0% for 21 months |
| Balance Transfer Fee | 5% |
| Foreign Transaction Fee | 3% |
| Late Fee | Up to $0 |
Pros & Cons
21 months 0% on balance transfers
No late fees ever
No penalty APR
No annual fee
Also 12 months 0% on purchases
No rewards
3% foreign transaction fee
5% balance transfer fee (min $5)
No sign-up bonus
The Bottom Line
The Good: The Citi Simplicity stands out for its 21 months 0% on balance transfers.
The Not So Good: No rewards.
Our Verdict: With an editor score of 8/10, the Citi Simplicity is one of our top-rated cards in its category. With no annual fee, there's no risk in trying it.
Frequently Asked Questions
What is the annual fee for the Citi Simplicity?▾
The Citi Simplicity has no annual fee — you'll never be charged just for keeping the card open.
What credit score do I need for the Citi Simplicity?▾
The Citi Simplicity is recommended for applicants with good (670-749) credit. Approval is not guaranteed and depends on your full credit profile.
Does the Citi Simplicity charge a foreign transaction fee?▾
Yes, the Citi Simplicity charges a 3% foreign transaction fee on purchases processed outside the U.S.
What is the APR on the Citi Simplicity?▾
The Citi Simplicity has a variable purchase APR of 19.24% – 29.99%, with a 0% intro APR for the first 12 months. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Citi Simplicity best for?▾
The Citi Simplicity is best for Paying off high-interest credit card debt. A key advantage: 21 months 0% on balance transfers.
Customer Reviews
4.3
1,876 reviews
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