Best for: those wanting to transfer high credit card balances and pay them off quickly
Say goodbye to complicated credit card terms, late payments, annual fees, and the penalty interest rate. The Citi Simplicity credit card is perfect for those on the go who want a credit card that matches their busy lifestyle with fair terms that are easy to understand. And with a generous introductory rate, it’s great for those wanting to finance a vacation or pay down debt.
The basics of the Citi Simplicity® Credit Card
The Citi Simplicity’s standout features
Best way to use the Citi Simplicity®
This Citi credit card is one of the best on the market for balance transfers, offering borrowers a generous 21 months interest-free. This is perfect for those wanting to consolidate debt or transfer balances off high-interest credit cards to pay down debt quicker.
It’s important to note Citi charges a balance transfer fee of $5 or 5% of the amount of the balance transfer amount, whichever is greater. Depending on your personal circumstances, the lengthy 0% offer may more than make up for the high transfer fee.
It is also one of the most user-friendly credit cards available. With clear terms and no late or annual fees, this is a great credit card for those with busy lifestyles, who don’t want to receive a penalty interest rate for missing one payment.
In a nutshell
The Citi Simplicity card is one of the smartest choices available for those who want to pay down debt faster. With a generous introductory rate, easy to understand terms, and flexible payment dates, it allows borrowers more control over repaying their debt, without the worry of incurring a bevy of fees or penalty rates.
What’s more, the card offers many outstanding benefits such as 24/7 customer service, and $0 liability for fraudulent transactions. Borrowers can also access their FICO credit scores for free with a personalized history charted in a nifty graph.
While one of the most user-friendly credit cards available, it doesn’t come with any rewards or cashback bonuses. For those looking for these features, consider the Citi Rewards+ Card instead.