Citi Simplicity® Card
Sponsored Card
- Minimum Credit Required:
Excellent - Annual Fee:None
- Network: MasterCard
| Intro Rate 0% |
Intro Period 18 months |
Regular Rate 12.99% - 21.99% (V) |
| Intro Rate0% | Intro Period18 months | Regular Rate12.99% - 21.99% (V) | Balance Transfer Fee 3% |
| Cash Advance Rate 12.99% - 21.99% (V) |
Cash Advance Fee 5% (min $10) |
- 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.
- Peace of mind through direct access to a service representative, no late fees and no penalty rate.
- No annual fee.
- Max Late Fee: None
- Max Overlimit Fee: None
- Max Penalty APR: None
- Grace Period: 23 days
- Online Response: No
- Foreign Transaction Fee: 3%
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Citi Simplicity® Card is related to the following credit card categories:
- Credit Cards for Excellent Credit with No Annual Fee
- 0% APR Low Interest Credit Cards
- 0% APR Credit Card
- MasterCard Credit Cards for Excellent Credit
- Excellent Credit Balance Transfer Credit Cards
- Citibank MasterCard
- MasterCard Balance Transfer Credit Cards
- Low Interest Balance Transfer Credit Cards
- 0% Interest Credit Cards
- MasterCard 0% APR Credit Cards
We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Certain offers originate from paying advertisers, and this will be noted on a card’s details page, when applicable.
Before applying for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Citi Simplicity® Card shown on this page.
The card information shown on this page was last updated: May 23rd, 2012 at 1:05 EDT
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This is a really great card. I pay off the balance each month so it works great for me. Once, I did not receive my bill and did not pay the bill. After being assessed charged, in accordance with the user agreement, I contact their customer service. They apologized for the mistake and assured me the the bills would come through in the future. They also removed the fee they had previously charged. Overall, it is a great card. Honestly, most cards are pretty similar but the excellent customer service that comes with this card made it rise above the rest, in my estimation.
There are so many credit cards out there that makes things difficult, which is what makes the marketing for the Citi Simplicity Card so effective. People want a simple to use card, and the Simplicity Card’s Name certainly plants the seed in your mind that its that card. You obviously cant just take it at its name, but luckily deciding whether or not to get it should be fairly simple. We just need to see what the Citi Simplicity Credit Card offers and how that compares to what the competition offers. I find that pro/con lists help in doing so. Pros -The Simplicity Citicard offers 0% on purchases and balance transfers for 18 months (tied for longest available). -Does not charge an annual fee. Cons - The Citi Simplicity Credit Card charges a 3% balance transfer fee. - It has a higher regular rate than some of its direct competitors. - No rewards Overall, the Citi Simplicity is a great credit card, no doubt about it. But it is slightly beat out by other cards. For example, if you want 0% for the longest time possible, you’d probably apply for the Citi Diamond Preferred or the Citi Platinum Select because they too give you 0% for 18 months and have lower regular APRs than the Citi Simplicity Card. Likewise, if you would rather sacrifice 0% time for a lower transfer fee, the No Balance Transfer Slate Card from Chase offers 0% for 15 months and doesn’t charge a balance transfer fee. Finally, if you’re after rewards, the Simplicity Card obviously won’t cut it. There are a number of good options out there, but some of my favorites are the Chase Sapphire Preferred, Capital One Venture and the Blue Cash Preferred from Amex.
Is this card able to issue a check for a purchase? I want to finish my basement and don't want to pay 6% interest for a loan so was wanting to get this and put $15,000 on it, pay off $800 or so a month for 21 months. Thing is our contractor doesn't take CC so would need the simplicity card to issue a check for payment? does that owrk?
Unfortunately the Simplicity Credit Card will not offer 0% if you ask them to issue a check since that will most likely be considered a cash advance. You might want to look into sending the money to your contractor through Paypal (which accepts credit cards) and then working out an arrangement where you split with your contractor the 2.9% fee that Paypal will charge.
When it comes to getting a card with a 0% APR I have not found a credit card that can beat the Simplicity Card - 0% for 21 months on both purchases and balance transfers is amazing! For the next 21 months, I am literally tempted to get this credit card, pay the minimum payment, deposit the rest of the money in a high yield savings account and then before the 0% expires pay the card in full (from the money that I have been depositing all along in my savings account). On the other hand, I currently use the Venture Rewards card from Capital One and get 2% cash back on all my purchases so I would have to give that up. Any other better alternatives?
Joe - This is an interesting strategy. Based on what you wrote, you obviously have the ability to pay your bill in full every month. Therefore, I suggest that you keep things simple and use your rewards credit card. Besides, I doubt that you can find a savings account that pays much more than 2% - right?