Citibank citi simplicity credit card

The offers that appear on this site are from companies from which Bankrate. 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. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval, also impact how and where products appear on this site. If you want a card that will give you time and flexibility to help you pay off your debt, citibank citi simplicity credit card, the Citi Simplicity card may be an excellent fit.

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. Just tap your card on the payment reader and go in seconds. Choose to pay your bill on any available due date in the beginning, middle or end of the month.

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. If you miss a payment, there is no late fee or penalty APR. NerdWallet recommends always paying on time, however, as late payments can still affect your credit scores. Card type: Balance transfer. Sign-up bonus: None. Rewards: None. Other perks:. The option to choose your payment due date. With this card, you'll never be charged a late fee, and your interest won't go up because of late payments. Yes, you should always strive to pay your bills on time every month, and yes, paying late is a terrible habit: Most accounts aren't as forgiving as this card, and your credit scores can still suffer if you pay too late. But sometimes you may forget or get overwhelmed; if you do, this card can save your bacon. If money is tight, being able to pick exactly when your payment is due can help you avoid overdrafts.

Expert Appraisal: Unimpressive See our expert analysis. Looking for other options? Bankrate logo How we make money.

Offers available if you apply here today. Offers may vary and these offers may not be available in other places where the cards are offered. Earn 1 Loyalty Point for every 1 eligible mile earned from purchases. Earn 3 times X points on restaurants, supermarkets, gas stations, air travel, and hotels. Earn 1 times X points on all other purchases. Round up to the nearest 10 points on every purchase.

It does not, and should not be construed as, an offer, invitation or solicitation of services to individuals outside of the United States. Terms, conditions and fees for accounts, products, programs and services are subject to change. Not all accounts, products, and services as well as pricing described here are available in all jurisdictions or to all customers. Your eligibility for a particular product and service is subject to a final determination by Citibank. The products, account packages, promotional offers and services described in this website may not apply to customers of International Personal Bank U.

Citibank citi simplicity credit card

Advertiser Disclosure. Published: January 31, Author: Dan Miller. Editor: Kaitlyn Tang. Reviewer: Cathleen McCarthy. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. The Citi Simplicity card has no annual fee but does come with a few benefits that make it useful. The Citi Simplicity card is a very basic Citi credit card that comes with no annual fee and no rewards program. Transferring that balance to the Citi Simplicity would help you stop accruing interest on it, so you can focus your efforts on paying off the balance.

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Why we're asking Knowing your rent or mortgage payments helps us calculate your debt-to-income ratio DTI which is your monthly debt payments divided by your pre-tax monthly income. Read more Linkedin Email. Many or all of the products featured here are from our partners who compensate us. Rating methodology Frequently asked questions. Read more Linkedin. The Wells Fargo Reflect card should offer plenty of breathing room if you need to pay off debt or finance large purchases. Melissa Lambarena. Credit Card Cash Back. Key takeaways The Citi Simplicity Card is light on benefits, but it boasts one of the longest 0 percent intro APRs on balance transfers completed within your first four months, which can go a long way to helping you pay down high-interest debt. Learn More. Find the right savings account for you. Our goal is to give you the best advice to help you make smart personal finance decisions. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. A soft credit pull will not affect your credit score. Cons No rewards.

Written by: Holly Johnson. Edited by: Nouri Zarrugh. Reviewed by: Emily Sherman.

The ongoing APR range is about average and, again, the card offers no rewards. Round up to the nearest 10 points on every purchase. View More. You have money questions. The company's data development team provided the most up-to-date and comprehensive consumer spending data based on the Consumer Expenditure Surveys from the Bureau of Labor Statistics. Subject to credit approval. Is the Citi Simplicity easy to get? Regular APR. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. Its guaranteed no penalty rate, no late fees and no annual fee make it so all you really have to worry about is paying down your debt during the intro period. It doesn't feature late-payment forgiveness, but if you're the type who always pays on time, you won't miss it. After that the variable APR will be Bankrate Score Rating: 4. Latest What is a W-2 — and how do you read it?