Citi Simplicity Credit Card - Should You Get This 0% APR Balance Transfer Card?Katrina Gutierrezupdated Jan 22, 2016TweetAt GET.com we maintain complete editorial integrity on our content & provide transparent & unbiased information. Companies don't pay us to include their products although we receive a compensation when you successfully apply to products from our partners. See how we make money here.At GET.com we maintain complete editorial integrity.Review of: Citi Simplicity® CardOur Rating:4.40/5 Stars At Citi's secure siteCiti Simplicity® Card, a partner card issued by Citibank, has a very generous introductory APR periods for both balance transfers and purchases, and is one of GET.com's most highly rated balance transfer credit cards. If you have a credit card debt that you want to pay off, or if you want to make some big purchases and pay them off over a long period of time, this card makes it easy for you. If you have a tendency to make late payments, or simply don't enjoy worrying about being hit with a big penalty if you do, this card may also be a good fit.Here you can find out exactly what Citi Simplicity® Card gives you, and get a clear picture of how it compares to similar credit cards. Read on to find out if this is the card that can help you pay off your debt stress-free. At Citi's secure siteCiti Simplicity® Card Our Rating:At Citi's secure websiteFANTASTICNo penalty rate - EVER.0% Intro APR on Balance Transfers and Purchases for 21 months.After that.The variable APR will be 13.24% - 23.24% based on your creditworthiness.BEWARE OFNo rewards program.INTRO APR0% intro APR on purchases and balance transfers for 21 monthsREGULAR APR13.24% - 23.24% (variable)ANNUAL FEENo annual fee.CREDIT REQUIREDExcellentCARD DETAILS0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness.There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.No late fees - EVERNo penalty rate - EVERNo annual fee - EVERSave time when you call with fast, personal help, 24 hours a day.RELATED LINKS View more details of Citi Simplicity® Card. See more Citi credit cards.At Citi's secure websiteShow details In This Review:Things We Like About Citi Simplicity® CardOur Least Favorite Things About Citi Simplicity® CardHow Citi Simplicity® Card Compares With Similar CardsOur Verdict On Citi Simplicity® CardThings We Like About Citi Simplicity® CardNo annual fee - ever. You don't have to pay a single dollar of annual fees to use this card!0% introductory APR on balance transfers for the first 21 months. If you think you will be able to pay off your balance in 21 months, then this is an ideal card since it allows you to do so without you having to pay a single cent of interest. This means that you have 21 months to pay off your debt without having to pay any interest fees. Remember that this introductory period will only apply as long as your transfers are done in full during the first four months of opening your account. After this introductory period, you will have a 13.24% - 23.24% variable APR, depending on your creditworthiness. There is a balance transfer fee of $5 or 3% of the amount of each transfer (whichever is more). Do note that you can only transfer an amount not exceeding your credit limit, including the balance transfer fee of 3%.0% introductory APR on purchases for 21 months. For anything you purchase with this card for the first 21 months, you won't have to pay any interest even if you carry a balance from month to month. This will be particularly helpful if you have plans to buy something expensive such as a vacation package or a new TV. After this fixed 0% APR introductory period, there will be a 13.24% - 23.24% variable APR (depending on your creditworthiness).No late fees - ever, if you make a payment after the due date. Most other cards charge you a late payment fee ($35 average). In the unfortunate event that you do miss a payment, you won't get hit with a nasty fee.No penalty rate - ever. This is a benefit that very few cards offer. You need not worry about incurring penalty interest rates when you don’t make your minimum payments on time, or if you go over your credit line. Most other credit cards charge a penalty APR of 29.99% or even more when you make a late payment or exceed your credit line. But note that making a late payment may still impact your credit score, and is generally a bad idea.24/7 assistance is only a phone call away. Get personal help fast at any time of day or night.Transfer any kind of debt. A big advantage of this balance transfer card is that you can transfer any kind of debt to it - even non-credit card debt. So for example you could transfer a student loan or auto loan debt to this card to benefit from the intro APR. There is only one rule: the account number can't include any letters and it must have at least five digits.Free FICO score access. Another good perk that this card offers is a perk that seems to be trending lately on top credit cards. You can get free access to your FICO credit score, which is very convenient. The FICO Score is one of the most widely reviewed credit scores in the U.S., and gives you a very good idea of what you overall credit looks like. At Citi's secure siteOur Least Favorite Things About Citi Simplicity® CardBalance transfer fee. Citi Simplicity® Card is a very useful balance transfer card thanks to the 0% intro APR on purchases and balance transfers for 21 months it offers (13.24% - 23.24% variable APR depending on your creditworthiness after that). But you do have to pay a balance transfer fee of either 3% of the amount of each transfer or $5, whichever is greater. Depending on how much credit card debt you have, the interest you avoid thanks to the long APR period might well make up for what you spend on the balance transfer fee.You pay a big fee to get cash. This card has a cash advance fee of either $10 or 5% of the amount of every cash advance, whichever is greater. So don't use this card to get cash at ATMs or other cash dispensers, or you will pay $10 minimum every time. How Citi Simplicity® Card Compares With Similar Cards At Citi's secure siteCiti® Diamond Preferred® Card is a close relative of Citi Simplicity® Card but gives you more benefits. It also has no annual fee and gives you 0% intro APR on purchases and balance transfers for 21 months, with a regular 12.24% - 22.24% variable APR (depending on your creditworthiness) for both balance transfers and purchases after that intro period. Like Citi Simplicity® Card, this card has a balance transfer fee of either $5 or 3% of the amount of each transfer. So the balance transfer options are pretty similar, but you may enjoy a lower ongoing purchase and balance transfer APR compared to what you get with Citi Simplicity® Card. But this card gives you more to boot, with perks like a 24/7 concierge service, Citi® Private Pass® (special access to events including pre-sale tickets, preferred seating and more), Citi® Identity Theft Solutions and $0 liability on unauthorized purchases. You even get a rewards program (sort of) in the form of Citi Easy Deals, so you can earn Citi Easy Deals Points for the purchases you make with your card and redeem your points towards part of the price of online name-brand merchandise and gift card deals (note that this is more like a discount program than a real rewards program). But if you ever are late in paying your credit card bill, Citi Simplicity® Card is a more merciful card. It has no late fees and no penalty rate (ever), unlike Citi® Diamond Preferred® Card which has a late payment fee of up to $35 and a penalty APR of 29.99%. At Chase's secure siteChase Slate®, is another credit card with solid balance transfer benefits. Most important of these is the $0 introductory balance transfer fee that you enjoy for balance transfers made during your first 60 days as a card member. That means you can transfer a balance to this card in your first 60 days as after account opening without paying a fee (Citi Simplicity® Card charges the greater of 3% of the amount of each transfer or $5). Chase Slate® comes with a 0% introductory APR for 15 months on purchases and balance transfers with 13.24%-23.24% variable APR after that. Like Citi Simplicity® Card, this Chase card has $0 annual fee. If you can afford to pay off your credit card debt within the shorter intro APR period you get with this card, then you can save money by transferring your balances to this card because of the introductory $0 balance transfer fee offer. But if you need more time to pay off your balance, Citi Simplicity® Card has a longer intro APR period, and the money you save on interest thanks to that intro period may well make the balance transfer fee worth it.View DetailsBankAmericard® credit card has a no annual fee and gives you 0% intro APR for 18 billing cycles on balance transfers made in the first 60 days, after which a regular 11.24% - 21.24% variable APR on purchases and balance transfers applies (See Terms.). The balance transfer fee is either $10 or 3% of the amount of each transaction, whichever is greater. Citi Simplicity® Card, by comparison, gives you 0% intro APR on purchases and balance transfers for 21 months (13.24% - 23.24% variable APR after) and a balance transfer fee of either $5 or 3% of each transaction. So if, as well as transferring a balance, you also want to make purchases on credit and pay them off over a long intro APR period, then Citi Simplicity® Card is the better choice.Citi Simplicity® Card makes it easy for you to pay off debt or buy big-ticket items by giving you a very long introductory APR period on both balance transfers and purchases, while charging no annual fees, no late fees and no penalty rates.Our Verdict:Citi Simplicity® Card is a good balance transfer card for those of you who would like to transfer your existing balances and stop paying any interest. This card offers a 0% intro APR on purchases and balance transfers for 21 months (almost 2 years!), which gives you the opportunity to pay off your balances in full during those 21 months without having to pay any interest, as well as purchasing big-ticket items at 0% interest. Even after that there will be a 13.24% - 23.24% variable APR on purchases and balance transfers based on your creditworthiness.In my opinion, the most attractive feature of this card is that it does not charge any late fees or penalty APR when you make late payments or spend more than your available credit line. Your 0% intro APR will not be taken away, or be raised to a penalty interest rate, which is what almost all other credit cards will do. Remember though that you should always strive to pay on time so as not to accumulate debt.This is a good card to use if want to stop wasting money on interest by paying off your debt, but at the same time can't afford to make high monthly payments. The lengthy intro APR period lets you break up your payments into almost 2 years worth of monthly payments. I would highly recommend it to those of you who want to enjoy the balance transfer benefits it has to offer. With no hidden fees or penalty APR, this really is a very simple and uncomplicated card, and in my opinion it definitely lives up to its name “Simplicity”. At Citi's secure siteClick here to go to Citi's official website to apply online for Citi Simplicity® Card now.See more Citi credit cards.Katrina Gutierrez is a writer at GET.com, a lifestyle and personal finance website. Email: email@example.com.Editorial Disclosure: Any personal views and opinions expressed by the author in this article are the author's own and do not necessarily reflect the viewpoint of GET.com. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities.