Citi Simplicity® Visa Card

Most Attractive: Introductory 0% APR on purchases AND balance transfers, no annual fee, no late fees.

Least Attractive: No rewards program available.

Editor Rating:

Credit Profile: Excellent Credit recommended.

Interest Rates

  • Introductory Rate: 0%* on purchases and balance transfers for 18 months*
  • APR (Purchases): 12.99-21.99% (V)
  • APR (Cash Advances): 12.99-21.99% (V)


  • Annual Fee: $0*
  • Grace Period: See Terms
  • Late Payment Fee: See Terms
  • Over-The-Limit Fee: See Terms
  • Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.

Reward Program

  • Points per Dollar: N/A
  • Additional Points: N/A
  • Point Details: N/A
  • Expiration: N/A
  • Yearly Limit: N/A

The Citi Simplicity® Visa Card is an excellent option for those looking for a balance transfer card.  This card is consistently picked by the editors as one of the top three balance transfer cards. Below you will find our full review of the card along with the key advantages and disadvantages of the Citi Simplicity® Visa Card.

Key Features Of The Citi Simplicity® Visa Card

Introductory APR: 0% APR for 18 months on all purchases and balance transfers made to the Citi Simplicity® Visa Card. After that, the variable APR will be 12.99%-21.99% based upon your creditworthiness. This makes the card an attractive option for transferring balances from cards with higher interest rates.  However, we suggest paying this off as soon as you can and definitely within the introductory period since the standard APR is slightly higher than other balance transfer cards once the intro period ends.

Citi's Private Pass Program: Citi Simplicity® Visa Card holders can enroll in Citi's free Private Pass program to gain special access and prices at concerts, entertainment, sporting events and dining.

Additional Card Benefits: Other card benefits include up to $3,000 in lost luggage coverage for you and your dependents when you charge your entire common carrier fare to your Citi Simplicity® Visa Card.  Also receive up to $1,500 in trip cancellation/trip interruption coverage, auto rental insurance when you reserve and rent a vehicle with your Citi Simplicity® Visa Card and decline the car rental company's collision loss/damage waiver insurance.

3 Main Advantages

Long Balance Transfer/Intro Period: At 18 months of 0% APR, this is a very good option for those looking to transfer a balance from a high interest credit card.

Citi Extras: Citi offers strong extras with this card such as the Citi Private Pass program and additional travel benefits. Plus no late fees, penalty rates, or annual fees - EVER!

No Annual Fee: This card does not have any annual fee.

3 Main Disadvantages

Higher APR After Intro: This card has a higher than average APR upon conclusion of the 0% introductory period, which is something to bear in mind if you plan to carry a balance beyond 18 months.

No Rewards Program: There is no rewards, points or cash back program associated with this card.

Designed For Better Credit: This card is not designed for those with poor or fair credit, so keep this in mind when comparing cards.

Editor's Final Word

If you're looking for a credit card with a 0% introductory period that applies to both balance transfers as well as purchases, then the Citi Simplicity® Visa Card is a very good option. You must have good to excellent credit to be approved for this card; however upon approval, it is an attractive no-annual fee card with great benefits that can help you save money by lowering your interest rates.

To apply for the Citi Simplicity® Visa Card, click here to be redirected to the issuer's website.

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