The Citi Simplicity Card is a long-term balance transfer card. It offers 0% interest for 21 months on balances transferred after the first date they’re transferred. Additionally, it offers 0% interest for 12 months on purchases.
The Citi Simplicity card is a great choice for anyone looking for a balance transfer card with time and flexibility. Some people have a harder time managing their finances than others, which can require extra time to manage.
Other card details
The Citi Simplicity card’s 0% introductory APR on balance transfers is best when used for a long period. Additionally, the card has no additional fees.
The Citi Simplicity Card is ideal for anyone looking for a basic credit card. Its biggest attraction is the card’s long initial 0% APR period, which helps eliminate stress related to debt accumulation. Additionally, the card can help consumers break out of the perpetual cycle of minimum payments and interest.
Cardholders’ APRs can range from 16.99% to 26.99% Variable after their introductory period ends. Transfers made within the first four months of account opening will qualify for the introductory rate. Generally, cardholders should complete transfers as soon as possible after opening their account; many cards only offer a limited time to apply the introductory rate.
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One of the great things about this card is that there is no annual fee. Additionally, there are no late fees; however, the outstanding balance will continue to accrue interest after the initial 0% APR period ends. If a payment is more than 60 days past due, the interest rate on this card does not increase to the penalty rate – usually the highest rate charged on the card.
Cardholders can use a 0% interest rate on purchases for 12 months. However, they should pay off all debts during this period to be able to take advantage of this offer. Standard post-offer APRs are high, so it’s best to pay off all debt during the offer period.
Other Benefits of the simplicity Card
- $0 liability protection: The Mastercard app can report unauthorized charges much more quickly than regular methods. When an unauthorized charge is made to your account, you have $0 liability protection from Mastercard. Additionally, the card offers liability protection from unauthorized charges made in-store, online, or via phone.
- Account activity alerts: make it easier to rest knowing your account is secure. By setting up alerts for password changes, balance transfers, withdrawals, and payments, you’ll always be informed of any activity.
- Citi Identity Theft Solutions: Citi takes numerous steps to ensure the safety of your identity to protect you. These features are accessible through both a mobile app and web account and require additional authentication, account encryption, and automatic notifications.
- Automatic Account Alerts: Cardholders can receive automatic email or mobile phone updates regarding their account status. These updates include information about their balance, any upcoming payments, and the state of their credit limit.
- Choose Your Due Date: Cardholders can choose to pay their bills at the beginning, middle, or end of the month.
Is this card for you?
The Citi Simplicity Card is a great option for anyone looking to convert a high-interest credit card balance to a low-interest credit card balance. Anyone using this card can enjoy 0% APR for 21 months – after the first transfer – with no additional interest charges. This gives users time to pay off their debts without additional charges.
While this card is great for small purchases, it can also come in handy for larger purchases. The card allows you to avoid interest on purchases for the 21 months you own it. This way, you can avoid hundreds of dollars in interest costs when buying bulk items like a computer or home improvement. It can also be used to finance vacations or similarly large expenses.
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