Citi Simplicity® Card 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

Citi Simplicity® Card4.0/5

Citi

Annual fee
$0
Rewards rate
0%-0%
Welcome Bonus
N/A
Apply Now →on Citi's website
Regular APR:17.49%-28.24% Variable APR

  • No rewards breakdown available

Welcome Bonus:

N/A

Reward Rate:

The Citi Simplicity Card does not offer any rewards like cash back, points, or miles.

APR:

17.49%-28.24% Variable APR

The Citi Simplicity® Card is designed for those focused on debt consolidation, offering a long 0% intro APR on balance transfers and purchases. Its lack of fees and penalties makes it a straightforward option for users looking to manage their finances without the distraction of rewards.

Pros:

  • No annual fee
  • No late fees or penalty rates

Cons:

  • No rewards program
  • Limited appeal for those seeking cash back
Apply now →

The Citi Simplicity® Card is particularly suitable for individuals seeking to consolidate debt or manage large purchases without incurring interest, thanks to its extended 0% intro APR period. With no annual fee and no rewards program, it appeals to those who prioritize simplicity and cost-effectiveness in their financial management.

Frequently Asked Questions