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Citi Simplicity® Card

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 21 months  0% for 12 months None 14.74% - 24.74% (Variable) $0 Be the First
This content is not provided by CitiBank. Any opinions, analyses, reviews or recommendations expressed here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by CitiBank.

Offer Summary:
This Mastercard offer is issued by Citibank. This offer is targeted for people who will use this card for personal use with an excellent or good credit history. Keeping in mind that APR's can be different from person to person, the lowest regular APR for this offer is 14.74% Variable and may be up to 24.74% Variable. Your credit score and other factors will determine this.

Rate Information:
This card offer does come with 0% introductory APR for 12 months for purchases and 21 months on balance transfers.

The regular APR for this offer is variable. A Variable APR means that the interest rate may change based on the U.S. Prime Rate.

Citi Simplicity® Card has no annual fee.


Card Member Extra Benefits And Perks:
Review the card application for additional card member benefits.

Apply Now for the Citi Simplicity<sup>®</sup> Card
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