Citibank citi simplicity credit card

While this card can save you money on interest and penalties, you can earn rewards with other cards having similar balance transfer terms. That could make it a good choice for tackling existing debt, but this card earns no rewards.

This offer is available if you apply through the method s provided in this ad today. Offers may vary and this offer may not be available in other places where the card is offered. Alerts keep you informed and stress-free. Once you've set up alerts, we'll remind you about your balance levels, payments due, or when you go over your credit limit, by email or directly on your mobile phone. Shop safely with a contactless-chip enabled card.

Citibank citi simplicity credit card

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity , this post may contain references to products from our partners. Here's an explanation for how we make money. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to:. At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next.

This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Aja McClanahan. Earn 3 times X points on restaurants, supermarkets, gas stations, air travel, and hotels.

Carrying a balance on a high interest credit card can be costly. But moving the debt to a balance transfer credit card can help you save hundreds in the long run. To determine the rankings, Select analyzed popular balance transfer cards using an average American's annual spending budget and credit card debt and digging into each card's perks and drawbacks to find the best of the best based on your consumer habits. See our methodology for more information on how we choose the best cards. While a balance transfer card can be a smart tool for managing your debt, before you open a new card you should first set up a debt repayment plan. The more you pay each month toward your debt, the faster you'll pay off the balance you've transferred, and ideally, you could pay off the card in full before the higher interest rates kick in.

Advertiser Disclosure. Published: January 31, Author: Dan Miller. Editor: Kaitlyn Tang. Reviewer: Cathleen McCarthy.

Citibank citi simplicity credit card

Written by: Holly Johnson. Edited by: Nouri Zarrugh. Reviewed by: Emily Sherman. The card boasts one of the longest intro APR offers on balance transfers on the market, as well as a reasonable low-end APR and limited fees, including no late fees, penalty APR or annual fee, making it a terrific option if debt repayment is your top priority. See related: Can you earn rewards with a balance transfer card? See related: How do balance transfers work? Since the typical balance transfer period offered by most issuers is 12 to 18 months, the Citi Simplicity Card earns big points. If you transferred your balance to the Citi Simplicity Card instead, you could be debt free in 21 months while making the same monthly payment. This makes the card a smart choice if you sometimes struggle to meet payment deadlines.

Huffy disney princess bike

Cardholder perks: Shrug-worthy Balance transfer cards often come with only a thin portfolio of cardholder perks, and the Simplicity card is no exception. Methodology NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one you can navigate with confidence. And it will take them 42 months — more than three years — to pay off that debt. It offers one of the longest intro APR periods available on balance transfers. To get the most out of your card, transfer as much of your debt as possible in the intro period to avoid paying interest for a whopping 21 months after which you'll pay The intro APR offer on balance transfers with the Citi Simplicity is great and one of the longest on the market. Jump to: Detailed Review. Balance transfer intro APR. Credit Cards. If getting as much time as possible to pay off debt is your key priority, this card is a great option, but if you want the best combination of short- and long-term value, another card may be a better fit. You understand that this is not an application for credit and CardMatch offers and Approval Odds do not guarantee you will be approved for a partner offer. While this fee carries less weight when we assess general low-interest cards than dedicated balance transfer cards, it still factors into our evaluation since cardholders may decide to transfer debt to a low-interest card even if it offers no intro APR or an intro APR higher than 0 percent.

Enjoy no annual fees every single year, how simple! Nobody likes late fees; that's why we never charge them. We understand if you happen to go over your credit limit.

Many or all of the products featured here are from our partners who compensate us. For cards designed primarily for balance transfers, the intro APR offer on balance transfers has the largest impact on overall score. Bankrate logo Editorial integrity. Regular APR. Earn 3 times X points on restaurants, supermarkets, gas stations, air travel, and hotels. Is the Citi Simplicity easy to get? Find the right savings account for you. Get more smart money moves — straight to your inbox Become a NerdWallet member, and we'll send you tailored articles we think you'll love. If your credit score is lower than the recommended range, the card may be difficult to obtain. No rewards or sign-up bonus. It can save you money on interest and penalties.