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Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 19 Offer Ratings
Over the Past 60 Days!

(19) Over the Past 60 Days!


  • Regular Purchase APR

    15.99% - 25.99%* (Variable)

  • Intro Purchase APR

    0%* for 12 months on Purchases*

  • Intro BT APR

    0%* for 21 months on Balance Transfers*

  • Typical Credit Needed

    500

    600

    700

    750

    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 for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full
  • There is a balance transfer fee of either $5 or 5% 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

    5% of each balance transfer; $5 minimum

  • Cash Advance Fee

    5% of each cash advance; $10 minimum

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

    4.5 /5

From the LendingTree.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 12 months on Purchases* and 0%* for 21 months on Balance Transfers*, followed by an interest rate of 15.99% - 25.99%* (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 cardholder protections like $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%* for 12 months on Purchases* and 0%* for 21 months on Balance Transfers*, no annual fee, and no late penalties.

The Good

The best part about this card is the fantastic 0% intro APR on purchases and balance transfers. With the lack fees and penalties, the Citi Simplicity can be a big relief when many other credit cards seem to charge you a fee any chance they get.

The Not So Good

You’ll need Excellent/Good 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

    4.5 /5


Consumer Reviews 19 Reviews

Offer Rating

3.8 out of 5.0

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Your Rating

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+17 users submitted a rating without a full review

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By: | May 23, 2018

Good card to get a person back on track, or to use as a backup

By: | Jun 22, 2016

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


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