Citi Simplicity Card Reviews - What Is It?

DO NOT USE Citi Simplicity Card!!! You Must Read This Review!
Fully Researched: Price, User Feedback and More!

Citi Simplicity Card

The Citi Simplicity Card was specially created for people who wish to make the high-interest balance with no Late Fees. It offers users a long introductory interest-free period and comes with a $0 annual fee. It requires no penalty APR alleviating some of the high costs that can be added to a credit card balance. If you are a consumer with excellent credit looking for a simple card the Citi Simplicity card is one of the best options to consider. This card has no intro APR on balance transfers and purchases for 21 months. Be ready that a higher regular interest rate will go up after this introductory period. It is important to pay in full and on time, otherwise you may get a dent in your wallet. The card also has a 3% or $5 balance transfer fee and a 3% foreign transaction fee.

The Citi Simplicity Card does come with some drawbacks. If you move money onto the card, you will have to pay a fee of $5 or 3% of the transferred amount. The card doesn't come with rewards either. But if your interest charges continue to grow and you have a rather low balance, this card might help you cope with your debt. This card gets one of the highest ratings in the balance transfer category and has very simplified payment terms. Other advantages include minimal penalties and a long introductory period.

Customer Reviews - Does Citi Simplicity Card Really Work?

The Citi Simplicity card has a valuable balance transfer offer but that's not the only benefit that grabs the attention of its potential cardholders. In a variety of cards that often come with high penalties, fees, and complicated payment terms, the Citi Simplicity card strives to offer more friendly terms. The user can significantly benefit from savings on penalties, especially when they are trying to pay off a large balance. The next thing most users like about this card is a long introductory period. This is the advantage that differs this card from other balance transfer cards. Citi provides zero percent interest on both new purchases and balance transfers for 21 months. Other cards usually give only 15 months. There is a fee for balance transfers - $5 or 3 percent. This is what can be found with most other cards. Late payments are less costly with the Citi Simplicity card. It means that you can miss a payment deadline and you won't have to pay off a late-payment fee or a penalty APR. However, you will have to pay an interest on those late payments and you're still obliged to pay a fee if you are more than 30 days late. There is also a $35 penalty fee on returned payments, which is less costly than that of other cards. As the card offers the same rate on cash advances and regular purchases, you can save some money too.

There are a lot of other perks which are highly appreciated by the users of the Citi Simplicity card. It comes with certain travel benefits, such as car rental insurance, Citi Price Rewind and an extended warranty program. Citi Price Rewind refunds the difference between the actual cost of your purchase and its lower price available on the market. An extended warranty program offers certain purchase benefits. According to the users' reviews, the main drawback of this card is the variable APR. It may reach 24.49%. If you are doing credit card payments, you will have to weigh the cost of carrying a balance on the Citi against the costs of your current card. If you charge a large amount each month, this card is not suitable for you. The same concerns people who pay off the entire balance in a timely manner. But if you are a cardholder who is mainly interested in borrowing money at a high rate, the Citi Simplicity card comes with a great introductory offer and other valuable perks.

There are several reasons to sign up for the Citi Simplicity card. It is perfect for people who are looking for a no-fee credit card that is easy to use and doesn't penalize you for late payments. This card is suitable for people who wish to transfer a large balance with a long period to pay off. You will like this card if you want to use 0% offer to finance a large purchase, and you need to pay it off in time. It would be a wise idea to take a look at some of the real users' testimonials written online.

"Citi Simplicity Card is the best card I have ever owned in my life. I am so happy that it has no late fee and offers great balance transfer options with 0% balance transfer APR. The customer service is just perfect. They also provide fraud protection. The application process was straight forward and I received decent Credit Limit for my ambitions. My card info got compromised by a fraudulent transaction but the Citi quickly identified it and blocked my card. I got a new one!"

"I love my Citi SimplicityCard because it offers 0% interest for 21 months. It is just ideal for making large purchases. The application process was fast and easy. As soon as I applied for the card they gave me a credit line of 7K. I recently got bumped up to 10.5K. There is no mortgage. I am going to close another card of mine as I simply don't need it. Citi is the best!"

"CitiSimplicity Card is a wonderful card that comes with a lot of good benefits. I was easily qualified for a $5k limit after I applied for it. I have taken advantage of some services offered by this card including the credit itself, 0% promos, balance transfers, I even have my car loan through them. I often use their super easy online app. This is my favorite credit card!"

My Final Summary

The Citi Simplicity Card is characterized by a number of positive features. It is the only card without late Fees, Penalty Rate, and Annual Fee. They give 0% Intro APR on Balance Transfers and Purchases for a long period of 21 months. After that, the cardholder will need to pay the variable APR from 14.49% to 24.49% depending on your creditworthiness. The card comes with a balance transfer fee of either $5 or 3% of the amount of each transfer. It offers the same great rate for all balances, after the introductory period. The Citi Simplicity Card gives an opportunity to save time when you call with personal help, 24 hours a day. The representatives of the customer service will gladly help you to solve your problems and answer your questions.

With this card you will be able to enjoy the convenience of setting up your own bill payment schedule on any due date available throughout the month. The only disadvantage of the card is the absence of rewards programs. Even though it has no penalty fee, it is still important to pay your bill on time, otherwise you will rack up high amounts of interest if you are more than 30 days late. You risk getting a hit on your credit report and losing your promotional rate too. For this reason, try to pay off your balance before the introductory period finishes. Taking into account all pros and cons of the Citi Simplicity Card I can recommend it to usage.

Citi Simplicity Card Pricing and Rates

You can apply for the card at Citi's secure website or by calling Citi Company at 877-328-9712. There are no annual fees, penalties of late payment fees.