Citi Simplicity® Card: Simplify Your Finances

If you’re looking for a credit card that eliminates the stress of late fees and offers an extended 0% intro APR period, the Citi Simplicity® Card is the perfect choice. With no annual fee, no late fees, and no penalty rate, this card is designed to keep things simple and straightforward.

Why Choose the Citi Simplicity® Card?

Exceptional Intro APR Offers

• 0% Intro APR on Balance Transfers
  Enjoy 21 months of 0% intro APR on balance transfers from the date of your first transfer. After that, a variable APR of 18.49% – 29.24% applies.*
• 0% Intro APR on Purchases
  Get 12 months of 0% intro APR on purchases from account opening. After that, the variable APR applies.*

No Fees, Ever

• No Annual Fee
  Enjoy this card without worrying about any yearly costs.*
• No Late Fees
  Whether you’re early or late, this card won’t penalize you with late fees.*
• No Penalty Rate
  Your APR won’t increase due to a late payment.*

Balance Transfer Offer

• Intro balance transfer fee: 3% of each transfer ($5 minimum) if completed within 4 months of account opening.*
• After the introductory period: 5% of each transfer ($5 minimum).

Key Benefits

Convenience at Your Fingertips

• Choose Your Payment Due Date
  Align your payment schedule with your cash flow by selecting a due date that works best for you.
• Contactless Payment
  Shop safely and quickly with a tap-enabled card.
• Digital Wallets
  Use your card seamlessly online or in-store with digital wallet options like Apple Pay® and Google Pay™.

Robust Protection

• $0 Liability on Unauthorized Charges
  Shop confidently knowing you’re protected from fraudulent transactions.
• Account Alerts
  Stay on top of payments and account activity with automatic alerts.

Dedicated Support

• 24/7 Customer Service
  Access Citi representatives anytime, anywhere for help with your account.

Who Should Apply?

The Citi Simplicity® Card is an excellent choice for:

• People Managing Debt: The extended 21-month 0% intro APR period on balance transfers can help you consolidate and pay down debt without incurring additional interest.
• Budget-Conscious Consumers: With no late fees, no annual fee, and no penalty rate, this card minimizes extra costs.
• New Credit Card Users: Its straightforward features make it a great first card.

How to Maximize the Benefits

1. Consolidate High-Interest Debt
   Transfer balances from other cards to save on interest during the 21-month intro APR period.
2. Plan Large Purchases
   Use the 0% intro APR on purchases for 12 months to spread out payments interest-free.
3. Set Up Alerts
   Take advantage of automatic account alerts to ensure timely payments.

How Does the Citi Simplicity® Card Compare?

The Citi Simplicity® Card stands out for its no late fees and penalty-free APR, making it ideal for those who want peace of mind while managing debt. However, if you’re looking for a rewards program, the Discover it® Balance Transfer may be a better fit.

Apply Today

Ready to simplify your finances? The Citi Simplicity® Card offers a straightforward approach to managing debt and everyday purchases, without the worry of fees.