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The Citi Simplicity Card offers an intro 0% APR period of 12 months on purchases from the date of account opening and intro 0% APR for 21 months on balance transfers from when the first balance transfer is made. The card also features simplicity with no penalty fees, no late fees, and no annual fees.

• Credit: Good credit needed
• Max cards: Citi will only approve you for one personal card every 8 days, and only 2 Citi personal cards within 65 days
• Credit bureau: Citi will usually pull your Experian credit report, sometimes Equifax, and sometimes Experian and Equifax  (depending on your state, search your state in our credit card database)
• If you freeze your Experian credit report you can sometimes request the reconsideration department to pull your Equifax credit report
• Combining same-day credit inquiries: Credit inquiries for all Personal Citi cards will be combined; also, credit inquiries for all Business Citi cards will be combined. Credit inquiries for Personal and Business card applications will not be combined. Note, you cannot get approved for more than one Citi personal card within 8 days (Combining credit inquiries will only make a difference when declined for your first try and you want to try a new one)
• Application status: You can check your application status  here  or call 1 888 201 4523
• Reconsideration: If declined you can call 1 800 695 5171 to be reconsidered

• Quickest way to get my card: Citi will offer instant credit card numbers only on some cards (Custom Cash, Costco cards applied for in-store, AA, AT&T). Citi physical credit cards cannot be expedited and will arrive after 7-10 business days

• Balance transfer fee: %5 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