Card Review: Citi Simplicity® Credit Card

Will the Citi Simplicity® Credit Card really simplify your life? The Citi Simplicity® card cuts annual fees and offers 0% APR for the first 18 months. It goes without saying that it really blows the competitors away when it comes to the...

Creditcards.org Team

| CreditCard.org Contributor

Will the Citi Simplicity® Credit Card really simplify your life? The Citi Simplicity® card cuts annual fees and offers 0% APR for the first 12 months. It goes without saying that it really blows the competitors away when it comes to the length of its interest-free period. The real kicker is that this card guarantees no late fees or penalty rates. You can also set your own monthly payment due date. This option is great for someone looking to space out credit card payments so that they don’t come at the same time every month as a student loan or mortgage payment.
Related: 5 credit card perks you might not be aware of

A Look at Perks

Citi Simplicity offers a unique perk called the Citi Price Rewind. This feature tracks your online purchases for 60 days and gives you back the difference if a price that’s at least $25 less than what you paid is discovered. This feature is capped at $500 per item and $2,500 annually. Another great perk offered by this card is something called Citi Private Pass. This program gives you access to tickets for various events and concerts before they go on sale.

Where the Citi Simplicity® Credit Card Falls Short

The drawback of the Citi Simplicity® Credit Card is that it doesn’t offer any rewards. While the initial interest-free period is a sweet spot, the card differs little from other credit cards on the market once that honeymoon phase is over.

Who Is the Citi Simplicity® Credit Card Ideal For?

This card is perfect for anyone who is sometimes a few days late on making payments. This card ensures that you don’t have to be totally organized with bill paying in order to avoid fees and penalties. This card is also great for anyone who has some big expenses but needs a few months of interest-free payments in order to pay it off.
Keep Reading: The fastest way to pay off credit card debt

Who Should Skip the Citi Simplicity® Card?

This isn’t the ideal card for someone who likes to accumulate points for cash back. While the features of this card are generous, you won’t enjoy the thrill of the chase like you would with other cards that are more generous with rewards. If you are the type who always pays your balance in full, you might want to focus on getting back some points for your purchases instead of worrying about the low-interest rate and flexibility offered by the  Citi Simplicity® card.

Citi Simplicity® Card - No Late Fees Ever

The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER

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Excellent/Good Credit

Benefits & KEY FEATURES

    • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
    • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
    • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
    • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full
    • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
    • The same great rate for all balances, after the introductory period
    • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
    • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

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