Find out what Citibank has to offer and whether the Citi Simplicity card is right for you.
|Citi Simplicity Card at a Glance|
|Rates are accurate as of Sept. 5, 2018.|
In This Review:
- What You Need to Know About the Citi Simplicity Card
- Best Features of Citi Simplicity Card
- Citi Simplicity Additional Considerations
- Citi Simplicity Card: Designed for Low-Maintenance Users
The 18 months of 0% intro APR on this Citi card can give customers a longer period of relief from paying interest compared to other credit cards with yearlong introductory offers. If you’re prone to missing credit card payments, you might find Citi Simplicity’s lack of late fees and penalty APR particularly appealing.
- People seeking debt consolidation
- Individuals concerned about missing a payment or two
Beyond the nonexistent late fees and generous 18-month 0% intro APR for purchases, this Citibank credit card offers basic travel and purchase protection: chip technology for greater security, $0 liability on unauthorized charges and assistance in the event of identity theft.
Balance-transfer fees for the Citi Simplicity card are either $5 or 5 percent of the transaction amount, whichever is greater. But, as long as you complete all your balance transfers within four months of opening the account, you’ll fall into the 18-month 0% intro APR period.
Citibank is a global institution. With more than 100 million customers, Citibank can offer widespread conveniences such as Apple Pay, 24/7 customer service, automatic account alerts and the flexibility to choose your own payment due date.
Check Out: Citibank Review — One-Stop Banking
Due to the lack of an annual fee, customers can let the Citi Simplicity card sit in their wallets without worrying about membership costs piling up. For occasionally forgetful individuals, this Citibank card is also very forgiving of late payments and offers flexibility with payment due dates. However, customers looking for a credit card with rewards for spending or other perks might want to consider alternatives to the basic Citi Simplicity card.
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This content is not provided by the companies mentioned. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Citibank.
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