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Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever

 

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  • Regular Purchase APR

    14.99% - 24.99% (Variable)

  • Intro Purchase APR

    0%* for 21 months on Purchases*

  • Intro BT APR

    0%* for 21 months on Balance Transfers*

  • Typical Credit Needed

    500

    600

    700

    850

  • Annual Fee

    $0*

  • Card Brand

    Mastercard®

Highlights

  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

Card Fees

  • Foreign Transaction Fee

    3%

  • Balance Transfer Fee

    3% of each balance transfer; $5 minimum

  • Cash Advance Fee

    5% of each cash advance; $10 minimum

  • Penalty APR

    N/A

Additional Card Details

  • $0 Fraud Liability

    Yes

  • Auto Rental Insurance

    Yes

  • Extended Warranty Program

    Yes

  • Roadside Assistance

    Yes

  • Purchase Protection

    Yes

  • Travel Assistance

    Yes

  • Flight Accident Insurance

    Yes

  • Lost Luggage Reimbursement

    No

  • Concierge Service

    No


Expert Reviews

  • Regular APR

    4.0

  • Intro APR

    4.5

  • Fees

    4.0

  • Benefits

    3.5

  • Overall Rating

    4.0 /5

From the CompareCards.com Editorial Team

For those who like to keep it simple and steer free of penalties and unexpected rate hikes – while working to pay down balances on other cards – the Citi Simplicity credit card, from our partner Citi, is simply the best. Citibank does advertise its products on CompareCards. You get an intro APR of 0%* for 21 months on Purchases* and 0%* for 21 months on Balance Transfers*, followed by a variable interest rate of 14.99% - 24.99% (Variable). The extra-long 0% intro rate applies to both balance transfers and purchases, which makes the Citi Simplicity card a great card to use for big purchases or to consolidate other credit card debt.

One of the most remarkable features of this card is that there are no late fees or penalty rates charged for late payments. You also get special coverage for lost luggage or trip cancellation and $0 liability on unauthorized charges. It is no wonder that the Citi Simplicity has won rave reviews and is included in many consumer lists of “Top 10” credit cards.

The Bottom Line

The Citi Simplicity Card keeps it simple, streamlining the terms of its cardholder agreement in a way that is probably simpler than any other credit card on the market. Plus there is an intro APR of 0% APR for 21 months, no annual fee, and no late penalties.

The Good

The best part about this card is the fantastic 0% APR for a full 21 months, on both balance transfers and purchases, so that’s a generous incentive.

The Not So Good

You’ll need excellent credit to qualify for the Citi Simplicity card, and there is no rewards program attached to it.


Editorial Note: This content is not provided by Citibank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Citibank.

Expert Reviews of the Citi Simplicity® Card - No Late Fees Ever

  • Regular APR

    4.0

  • Intro APR

    4.5

  • Fees

    4.0

  • Benefits

    3.5

  • Overall Rating

    4.0 /5


Consumer Reviews 0 Reviews

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By: | Jun 22, 2016

I'm checking in on this Citi card.is the best card Ihave found.


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