Citi Simplicity® Credit Card Review

February 6, 2013 2 Comments »

simplicityHere’s a credit card that lives up to its name – the Citi Simplicity® Card.

Like most, you are probably interested in a credit card that is simple to use and understand. While some don’t live up to this, it is safe to say that the Simplicity credit card from Citi fits the mold.

It features a 0% APR for both balance transfers and purchases for an industry leading 18 months. Along with this, its terms and conditions are extremely straightforward.

Before we go any further, it is important to note that the 0% APR for both balance transfers and purchases only lasts for 18 months. After that, the variable APR will be 12.99% to 21.99% based on your credit worthiness.

If you’ve racked up some debt and have been getting punished with high interest rates spread across multiple credit cards, you may want to simplify things a bit by transferring your debt to a balance transfer card like the Citi Simplicity offer. By doing this, you’ll get 18 months in which you will incur absolutely no interest. This will allow you to pay down your principle at an accelerated pace. After your 18 month period is over, your new APR will go into effect.

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The ‘Simpleness’ of the Citi Simplicity Card starts with it’s forgiving deadlines.

There are no late fees OR rate hikes when you miss a payment due date or go over your credit limit. This can be a very refreshing feature for those that frequently get nailed by missing due dates by a day or two. Plus, when you need to speak to a representative from CitiBank you’ll get 24/7 live access to actual people rather than automated responses.

Citi Simplicity Credit Card Features:

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% – 21.99% based on your creditworthiness.
  • No annual fee
  • No late fees ever!

Final Word

This is a great deal for the right individual. We would recommend this card to someone looking to transfer a hefty balance featuring an unfavorable APR to a card with zero fees and a zero APR for 18 months. The primary trade-off with this card is that there are zero rewards in exchange for zero late fees, zero APR and zero penalty rates.

Not only is the Citi Simplicity credit card easy to get along with once you have it in your wallet, the application process is also quite simple.

You can apply online or via telephone. It only takes a couple of minutes to supply your personal and financial information. Best yet, you will receive an approval or denial within a matter of minutes.

While many credit cards claim to be simple and straightforward, none live up to this quite the same as the Citi Simplicity Card.

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  • Michael

    This article is not true. I’ve had this card for 12 years. A couple of yeras ago they raised my rate from 11% to 23.9% and would give me no reason. My credit score was 830. I’ve been a few days late a couple of times on some minsicule payments because I misplaced the envelope and forgot. One was a $20 payment. They just whacked $20,000 off my credit limit and raised my APR to 29.9%. Yeah they waved a $25 late fee. But I’m trashed with this card because of an oversight. I’ve probably run 1/4 of a million dollars through this card without ever missing a payment. I’ll never use it again now. All because I misplaced my staement They’ve made me feel like a criminal.

  • Maggie

    shut up michael. You have said this on every credit card page.
    some people are trying to do research here.