Citi Simplicity Review
Citi · Paying off high-interest credit card debt
4.3 / 5 (1876 reviews)
Annual Fee
No annual fee
Rewards
No rewards
Regular APR
19.24% – 29.99%
Credit Needed
Good (670-749)
Our Expert Verdict
8/10
Editor's Score
The 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.
Pros
- 21 months 0% on balance transfers
- No late fees ever
- No penalty APR
- No annual fee
- Also 12 months 0% on purchases
Cons
- No rewards
- 3% foreign transaction fee
- 5% balance transfer fee (min $5)
- No sign-up bonus
Key Benefits & Perks
No annual fee
No late fees — ever
No penalty APR
21 months 0% APR on balance transfers
12 months 0% APR on purchases
Flexible payment dates
User Reviews
Customer Reviews
4.3
1,876 reviews
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