Citi Simplicity Credit Card Review: Enjoy 0% Intro APR Offer for 21 Months

There are several reasons why someone chooses to apply for a certain credit card and not the other. These include low fees and rates, longer intro offers on purchases and balance transfers, security, convenience, and rewards.

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The combination of features offered by the card you choose highly depends on your financial needs. 

So, what does the Citi Simplicity Credit Card offer? Is it rewards, cashback, travel, or balance transfer card? 

Let’s find out.

Features of the Citi Simplicity Credit Card

So, what makes this card unique? The Citi Simplicity Credit Card prioritizes making your life easier. For instance, it has no annual fees, no late fees, and no penalty rates. Yep, you heard that right! 

Ever missed a payment date and dreaded that extra charge? With Citi Simplicity, those worries are all dealt with. So, if life gets hectic and you miss a payment, your interest rate won’t skyrocket. 

Managing your account is also a breeze with Citi’s user-friendly app, offering real-time updates and easy payment options. Add in 24/7 customer service, and you’ve got support whenever you need it. 

In short, the Citi Simplicity Credit Card removes the common hassles of credit card ownership, letting you focus on what matters most— enjoying life with a little less stress. 

Pros and Cons of the Citi Simplicity Credit Card

The Citi Simplicity Credit Card is designed to offer various benefits. However, it also has some drawbacks.

Pros  

The main benefits of the Citi Simplicity Credit Card include:

  • Convenience: The card offers automatic account alerts, digital wallets, contactless pay, and the ability to choose the payment due date.
  • Security: It offers an ID theft protection program from Mastercard and a $0 liability protection on unauthorized transactions. 
  • Reliable Support: The card offers 24/7 customer service for any questions or issues you may have with your card.

Cons

  • No Welcome Bonus: Unlike many other credit cards, the Citi Simplicity card doesn’t offer a welcome bonus for new users. 
  • High Interest Rate After Promotional Period: The interest rate can be relatively high after the end of the 0% APR introductory period, which can increase the cost of carrying a balance.

Rates and Fees

The Citi Simplicity Credit Card boasts minimal rates and fees. This makes it ideal for users seeking minimal annual costs on a card. 

The first main fee on this card is the balance transfer intro fee of 3%, which increases to 5% or $5 minimum after 4 months. 

Second on the list is the cash advance fee of 5% ($10 minimum). There is also a 3% foreign transaction fee and a returned payment penalty fee of $41. 

If you want to join the Citi Flex Plan, there is an annual interest rate of 19.24% to 29.99%. The rate is dependent on your creditworthiness and varies with the market’s Prime Rate. 

Eligibility Criteria and Requirements 

Now, who is eligible for this credit card? The Citi Simplicity Credit Card application requires you to meet some conditions as follows:

First, the card is only available for adults above 18 years or 21 years if you live in Puerto Rico. You must also be a resident in any of the US territories to apply for the Citi Simplicity Credit Card. And if you are married, you can both apply for separate cards. 

How to Apply for the Citi Simplicity Credit Card

Applying for the Citi Simplicity Credit Card is pretty simple, and you’ll receive feedback in less than a minute. The first step is to visit the Citi Simplicity Credit Card page. From here, find and click the blue Apply Now button to start your application. 

You can also call the card’s customer support at 1-800-492-2127 to apply. Whichever option you choose, ensure that you provide the correct information as prompted or asked. 

Conclusion 

The Citi Simplicity Card offers numerous benefits, especially for customers looking for a way to pay off their credit debt because of the 21 months intro offer. However, it doesn’t offer much benefit for frequent shoppers seeking cashback on their spending.

So, if that’s your area of interest, you may need to look for another card.

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