Citi Simplicity® Card

The Citi Simplicity® Card is designed for one thing — stress-free, interest-free time to manage your finances. Whether you’re consolidating debt or planning a big purchase, this card offers one of the longest 0% APR periods available.

With no annual fee, no late fees, and no penalty APR, it offers a rare level of forgiveness and flexibility, making it a favorite for people focused on financial recovery or careful budgeting.

• 0% intro APR for 21 months on balance transfers
• 0% intro APR for 12 months on purchases
• After that, a variable APR applies (typically 19.24% – 29.99%)

That’s nearly 2 years of no interest on past debt — an exceptional window to get your finances in order.

• Must be completed within the first 4 months to qualify for the intro offer
• Balance transfer fee: 5% (minimum $5)

Although there's a fee, the interest-free period far outweighs it, especially if you’re currently paying 20%+ APR on another card.

• $0 annual fee — no strings attached

You won’t have to worry about earning back the cost of holding this card

It’s a pure tool for financial efficiency, not a product full of features you don’t use

• Missed a payment? You won’t be charged.
• Citi never charges late fees on this card.
• Great for people rebuilding credit or dealing with temporary financial hiccups

This feature alone makes it one of the most stress-free credit cards ever designed.

• Unlike most cards that spike your interest rate after a missed payment, the Simplicity® Card doesn’t increase your APR
• No surprises. No compounding mistakes.
• A great option if you’ve been burned by penalty APRs in the past

• This card doesn’t offer cash back or travel points
• It’s made for saving money, not earning rewards
• If you want to pay off debt, it’s the card to help you do that faster and easier

• Free access to FICO® score via your account
• Digital wallet compatibility with Apple Pay, Google Pay, Samsung Pay
• Security alerts, fraud monitoring, and $0 liability protection

Even with its minimalist rewards design, it’s still a modern and secure financial tool.

• No rewards program at all
• Balance transfer fee can add up if you're moving a large amount
• Requires good to excellent credit for approval (typically 700+)
• Not designed for ongoing daily spending once intro APR ends

• People with high-interest credit card debt to consolidate
• Individuals who value payment flexibility and forgiveness
• Budget-conscious users needing a long-term break from interest
• Those who don’t need travel perks or rewards right now