You first started stoozing at work. Then your boss caught you. You thought you were going to be fired, until he said he wanted to watch. Late one night you were stoozing at home. You thought your wife was in bed, asleep – but she wasn't. She caught you, too. At first you thought she would be mad, but then...
|APR, Variable||After promotional period, 12.99% – 21.99%* Variable|
|Cash Advance APR||12.99% – 21.99%|
|Intro APR Promotions||0% Intro APR on Balance Transfers and Purchases for 18 months|
No Annual Fee
No Late Fees
Save time when you call with fast, personal help, 24 hours a day
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
$0 Liability on Unauthorized Charges
See card issuer's website for details about terms and conditions of offer
Excellent Credit Needed
- 0% purchase and balance transfer APR for the first 18 months
- No late fees
- No annual fees
- 12.99% - 21.99% APR after promotional period is over
- No rewards system
The Simple Dollar’s Review
The Citi Simplicity® Card is, as the name suggests, very simple. While this means an unimpressive rewards system, it also means virtually no hidden fees. You’ll never get hit with late fees or annual fees with the Citi Simplicity® Card — a true rarity in the industry. Another key perk to this card is the extended 0% APR promotional period of 18 months, whereas most similar cards offer only 12 months. This APR applies both to purchases and to balance transfers, making it an excellent balance transfer card. Once the promotional period expires, interest rates don’t skyrocket like most cards; this one stays at a reasonable variable interest rate of 12.99%-21.99%. And this interest rate applies to everything, including cash advances, balance transfers, and purchases.
For cardholders who enjoy chasing rewards and bonuses, the Citi Simplicity® Card might not be the card for you, since it has no rewards program. Some users have also reported poor experiences with customer service and fraud protection. In lieu of no rewards, however, the Simplicity does offer a few perks that are relatively rare finds with cards having no annual fees. Cardholders can avail themselves of the Citi® Private Pass®, which grants users early ticket access to concert, sporting, and other entertainment events. You’ll also receive price protection and retail purchase protection on eligible purchases.
Let's cut to the chase: compulsive shopping and credit card addiction are genuine problems, and they're more common than you may think. If you suspect that you suffer from a compulsive shopping and/or credit card addiction, it's important that you understand two things: You are not alone. There is a way out. This article isn't a substitute for professional counseling, but if...