Citi Simplicity

welcome offer

Intro 0% APR for 18 months on purchases and balance transfers.

Bonus Cash Value

Approximately $0*

Annual Fee

$0

Card Rewards

No rewards on all purchases

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The Citi Simplicity card offers the longest intro 0% APR period of 21 months on balance transfers. But, keep in mind, that it also has a higher balance transfer fee of 5% while the average is only 3%. The card also features simplicity with no penalty fees, no late fees, and no annual fees.

Card-Smart Tips & Advice
  • Good credit needed
  • You can only get approved for 1 Citi Personal Card every 8 days, and not more than 2 Citi Personal Cards every 65 days
  • Citi will usually pull your Experian credit report (If you freeze Experian you can sometimes request the reconsideration department to pull Equifax)
  • You can check your application status  here  or call 1 888 201 4523
  • If declined you can call 1 800 695 5171 to be reconsidered
Balance Transfer Terms
  • Balance transfer fee: 3% or $5, whichever is greater
  • You cannot transfer balances from other credit cards issued by Citi Bank
  • To receive the Intro APR Offer, transfers must be completed within the first 4 months of account opening
  • No penalty APR
Card Details And Benefits
  • No penalty fees
  • No late fees
  • No annual fee

Search Recent Approvals

Filtered by:
Aug 27, 2020
Approved

Citi Simplicity

Credit limit : $3,200
Score : 761
Annual Income : N/A
Applied from : New York
Bureau : N/A
Age Of Credit History: N/A
Limit : $3,200
Score : 761
Bureau : N/A
Income : N/A
Credit Age: N/A
State : New York
Approved
Aug 27, 2020
Declined

Citi Simplicity

Credit limit : N/A
Score : 680
Annual Income : N/A
Applied from : New York
Bureau : N/A
Age Of Credit History: N/A
Limit : N/A
Score : 680
Bureau : N/A
Income : N/A
Credit Age: N/A
State : New York
Declined
Notes: Due to high balances
Aug 27, 2020
Approved

Citi Simplicity

Credit limit : $500
Score : 750
Annual Income : N/A
Applied from : New York
Bureau : N/A
Age Of Credit History: N/A
Limit : $500
Score : 750
Bureau : N/A
Income : N/A
Credit Age: N/A
State : New York
Approved

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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