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Citi Simplicity® Card
Issued by Good Credit
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Annual Fee
$0*
Regular APR
15.99% - 25.99%* (V)
Additional Information
Balance Transfer Fee
5% (min $5)
Purchase Intro APR
0%* for12 months
Transfer Intro APR
0%* for21 months
Late Payment Fee
0
Returned Payment Fee
Up to $35
Cash Advance Rate
15.99% - 25.99%* (V)
Cash Advance Fee
5% (min $10)
Foreign Transaction Fee
3%
Smart Chip
Yes, chip-and-signature
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Sign-up Bonus
None
Rewards
Rewards
This card doesn't offer cashback, miles, or points. But it is one of the best 0% credit cards on the market, offering 0% for 21 months on balance transfers and 0% for 12 months on new purchases. It also has a $0 annual fee.
Long 0% Balance Transfer Offer
The Citi Simplicity Card has 0% interest for 21 months on balance transfers. The average balance transfer card is interest-free for about 13 months.
Shorter 0% Purchase Offer
Citi Simplicity now offers 0% for 12 months on new purchases, while the average 0% card gives you about 11 months.
Costs
Regular APR
$0 for the first 12 months (then 16.24% to 26.24% variable)
Annual Fee
$0
Cash Advance Rate
16.24% to 26.24% variable
Foreign Transaction Fees
3% of the transaction value
Application
Apply for the Citi Simplicity® Card if you're at least 18 years old and a US citizen.
Go to The Citi Website.
- Press the “Apply” button below!
- Complete the application with your personal details and financial details.
- Review and submit your application.
- You can only use the Citi Simplicity® Card at Store
- You can use the Citi Simplicity® Card anywhere that Visa/Master is accepted
- Pay your balance on time.
- Avoid unnecessary interest and fees.
- If you have any question, you can contact the credit card's customer service.
Application Requirements
Minimum credit score
Fair
Minimum Age
18 years of age
How To Apply Citi Simplicity® Card
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How To Use Citi Simplicity® Card
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About credits-life
About three-quarters of Americans have at least one credit card,In fact, the average person has 3.4 cards. But whether you have a wallet full of plastic or have never charged a purchase in your life, you should know how to apply for a credit card the right way when the time comes. getting approved for a credit card requires proactive planning that should start long before you apply. That's why credits-life born, we aim to help you to find the right credit card, and then successfully apply a credit card.
How To Apply For A Credit Card
Credit card applications are straightforward, but you'll need to meet some minimum financial requirements to get approved for the best credit card offers. Learn how to apply for a credit online and what to expect after you click submit.
- Knowing your credit score and what's on your credit report can help you determine what products to apply for. If you have fair credit, for example, you may not want to apply for a card that clearly states that only applicants with excellent credit will be approved.
- If you don't have good credit, you may find it difficult to get approved for a card with a large sign-up bonus and a lucrative reward structure. Each credit card application ends up on your credit report, so the Nerds recommend using our credit cards comparison tool to find a card that fits your credit profile before applying.
- If the card allows balance transfers, you may request to have balances transferred from other credit card accounts to the new card.
- To apply for a credit card in the US, you’ll need a valid Social Security number and a positive credit history. The best rewards credit cards may require at least three to five years of good credit history, and some more than seven.
Write A Review
They ran my equifax my card usage was 14% on all my cards over 10 credit cards and the instanly approve for $7,800 i have a few card with a credit limit over this amount but its always good wen you do an inquiry and the approve you and with this good amount fo credit
"They ran my equifax my card usage was 14% on all my cards over 10 credit cards and the instanly approve for $7,800 i have a few card with a credit limit over this amount but its always good wen you do an inquiry and the approve you and with this good amount fo credit
"Definitely the card to get if you need a long amount of time to get some debt paid off. 21 months could be more beneficial than a lower interest rate in some cases. But no matter what you do pay these people they money back so you can get outta debt and stop making them rich. "Interest rate is the penalty you pay in advance for something that you can not afford" repeat this over and over until it sinks in your head. When you feel sick to your stomach then my friend you fully understand that statement.
"Definitely the card to get if you need a long amount of time to get some debt paid off. 21 months could be more beneficial than a lower interest rate in some cases. But no matter what you do pay these people they money back so you can get outta debt and stop making them rich. "Interest rate is the penalty you pay in advance for something that you can not afford" repeat this over and over until it sinks in your head. When you feel sick to your stomach then my friend you fully understand that statement.
"The initial 0% promo on purchases really helped me grow my small business.
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