Citi Simplicity®
Issuer
Citi
Network
Mastercard
Regular APR
18.49% - 29.24%
Annual Fee
$0.00
Intro Offer
N/A
Rewards Rate
N/A
Recommended Credit Score
690 - 850 (Good - Excellent)
Pros
✅ No annual fee
✅ One of the longest intro APR periods for balance transfers (21 months)
✅ No late fees
✅ No penalty APR for late payments
✅ Low intro APR for purchases and balance transfers
Cons
❌ Does not earn rewards
❌ No welcome bonus or cardholder offer
❌ Relatively high balance transfer fees after the introductory period
❌ Different timelines for purchase and balance transfer intro APRs
❌ Foreign transaction fee of 3%
Combinations
Low-Interest Strategists
🏆 290 $0.00 0
Subscribe
Stay up to date with the latest credit card combinations and exclusive opportunities - subscribe to our updates.