Top Reasons to Get This Card
It Helps Pay Off Debt
This card is the best option for you if you want to pay off debt without accruing fees or interest. So, whatever amount you pay goes towards the principal balance of the debt, not the interest.
No Annual Fee
You don’t have to worry about paying an annual fee and making the most of the card.
No Late Fee
For those who are wondering does Citi Simplicity® Card have late fees – the answer is no. There is no late fees with this card.
Pros and Cons of card_name
Pros
- There is no late fee – one of the many Citi Simplicity® Card benefits
- There is no penalty APR
- It is a good debt management tool as it comes with one of the longest balance transfer offers
Cons
- Citi Simplicity® Card foreign transaction fees is currently at 3%
- A good or excellent credit score is needed to be eligible for the card, if you are wondering, is a Citi Simplicity® Card hard to get.
Is This a good credit card?
The Citi Simplicity® Card is meant for people who want to pay off debt in a hassle-free manner. It allows you to stay worry-free about the late fee or annual fee.
This card offers one of the longest balance transfer offers – 0% intro APR for 21 months on balance transfers and intro_apr_rate,intro_apr_duration on purchases, making it one of the best debt management cards.
As a reliable balance transfer card, Citi Simplicity® Card can reduce your principal amount considerably and not just waste time paying off the interest of the debt you owe.
This card is also useful if you plan to make a large purchase such as a new couch or a 85-inch tv or remodeling your kitchen and are not able to pay immediately. Citi Simplicity® Card benefits do not include any rewards on purchases but worth getting if you are looking for one of the best debt management cards.
Citi Simplicity FAQ’s
What is a Citi Simplicity® Card?
The Citi Simplicity® Card is a credit card that allows you to get a low Intro APR and never charges a late fee.
Is Citi Simplicity® Card a good card?
Thanks to 0% APR on purchases for 12 months, 0% APR for 21 months on balance transfers, and no annual or late fee, the Citi Simplicity® Card is a great option.
Does Citi Simplicity® Card have foreign transaction fees?
With a Citi Simplicity® Card, you need to pay a fee of 3% for foreign purchases. You must pay 3% of the U.S. dollar amount of each purchase made abroad.
How to transfer the balance to a Citi Simplicity® Card?
If you have a Citi Simplicity® Card, please follow these steps to do a balance transfer.
- Log into your Citi Account and find “Payments and Transfers” at the top of the page.
- Click on “Balance Transfers” and then on “View Available Balance Transfer Offers.”
- Choose the balance transfer offer you like, and provide the needed details.
- If you want, you can also do the balance transfer by talking to the Customer Service team of Citi.
What credit score is needed for a Citi Simplicity® Card?
To be eligible for the Citi Simplicity® Card, you need at least a good or excellent credit score.
It would be good if you have a credit score of 700 or more, a good credit history, and a decent income.
Does Citi Simplicity® Card have cashback?
To be eligible for the Citi Simplicity® Card, you need at least a good or excellent credit score. It would be good if you have a credit score of 700 or more, a good credit history, and a decent income.
Does Citi Simplicity® Card have late fees?
No, the Citi Simplicity® Card has no late fee. So, if you make a late payment, you won’t need to pay a penalty APR.
How hard is it to get a Citi Simplicity® Card?
Getting a Citi Simplicity® Card is not very hard for people with a good or excellent credit score, a decent credit history, and a good annual income.
How to apply for a Citi Simplicity® Card?
You can apply for a Citi Simplicity® Card by an online application. Just visit the Citi website, find the Citi Simplicity® Card, and click on Apply Now.
You will be redirected to a new page where you need to provide some crucial details to complete your application.
You can also apply via phone by calling 1-800-347-4934.
What is the difference between citi simplicity and diamond preferred?
Though both cards feature lengthy promotional APR periods that last several months, Citi Simplicity® Card offers late-payment forgiveness.
It charges no additional fee and has a smaller balance transfer fee as well.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any other entities.
