Citi Simplicity
Every rate below is the issuer’s own, verified October 2, 2026.
Terms apply. See rates & fees on Citi. Rankings are pure math, never sold.
How it earns
Every rate here is the issuer’s published number. Points are valued at what this door can redeem them for: cash-back at the statement-credit rate, travel at the issuer’s travel rate.
What it saves on a typical balance
Someone moving a $5,000 balance at 24%, paid down $250 a month. Figures as of October 2, 2026, the day the terms were last verified.
The Citi Simplicity avoids $1,288 of interest against a transfer fee of $150, so moving the balance saves $1,138. At $250 a month, $650 is still owed when the 18-month window ends, and that part goes back to the card’s regular rate. The 0% rate applies only to balances moved within 120 days of opening. For this balance, it places last of the 5 0% interest cards we’ve confirmed.
Among the 5 0% interest cards we’ve confirmed, its 18-month window is the shortest and its 3% fee is the lowest, shared. On a $2,500 balance at the same rate and payment it saves $241, clearing inside the window. On a $10,000 balance at the same rate and payment it saves $3,129, and $5,800 is left when the window ends.
Who it fits
It fits if
- Your balance needs a long runway: 18 months at 0%.
- You want a low transfer fee: 3% of the balance moved, the lowest among the 0% cards we check.
- You have a large purchase coming too: 0% on purchases for 18 months.
Look elsewhere if
- You cannot move the balance within 120 days of opening.
- You want rewards on spending: it earns none.
- Your credit is fair or thin: approval usually needs good credit.
Plain facts
- Who gets approvedGood credit, around 670+. Typically ~good credit or better (estimate; issuer does not publish a score).
- Citi shows two versions of this offerOur numbers are Citi's 18-month version, behind the View on Citi button. Other Citi pages serve this same card as 12 months on purchases and 21 on transfers, at a higher ongoing rate — the longer transfer window can matter if your balance needs the time. Before you apply, check that the pricing details on the page you landed on match these numbers.
- The issuer’s terms governRates, fees and bonus conditions are set by Citi and change without notice. Confirm the current offer before you apply.
- Where these numbers came fromCollected by hand from Citi’s own published terms, last verified October 2, 2026. How we check
What people ask about it
What happens when the 0% window ends?
Whatever is still owed goes to the card’s regular rate. On a $5,000 balance at 24%, paid down $250 a month, $650 is still owed when the 18 months end.
Is there a minimum transfer fee?
Yes: 3% of each transfer, and at least $5.
Does the 0% rate cover new purchases?
Yes, for 18 months.
Where it shows up
Every ranking and comparison with the Citi Simplicity in it, each computed the same way.
- Best card for a 0% balance transferCiti Diamond Preferred first, at $1,233 saved.
More cards like this
- Yearly fee $0U.S. Bank Shield VisaU.S. Bank · for moving a balance, 21 months at 0% and a 5% fee
- Yearly fee $0BankAmericardBank of America · for moving a balance, 21 months at 0% and a 5% fee
- Yearly fee $0American Express Blue Cash EverydayAmerican Express · for moving a balance, 6 months at 0% and a 3% fee · estimate
The three 0% interest cards beside this one on our list of every card. See every card