Citibank citi simplicity credit card

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, 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.

Citibank citi simplicity credit card

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. This is a great fit if you want to establish your credit. Make everyday purchases and pay your bill on time. The credit limit on your new secured credit card will equal the amount of your security deposit. You're completely protected against unauthorized charges on your account. At Citi, you will not be responsible for a charge that you did not authorize, online or otherwise. Active category All Credit Cards. View and Compare All Credit Cards. Read More. Apply Now Learn More.

Our editorial team does not receive direct compensation from our advertisers. Ashley Parks. National Debt Relief.

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, the Citi Simplicity card may be an excellent fit. As a Bankrate credit cards editor, Ashley Parks is fascinated by the ways people can make credit cards work for them when armed with the right knowledge. Previously, she led insurance content at Reviews. At Bankrate we strive to help you make smarter financial decisions.

Update: Some offers mentioned below are no longer available. View the current offers here. However, the no-annual-fee card doesn't offer rewards, its benefits are minimal and its variable APR rates are relatively high. Let's take a closer look at this no-annual-fee credit card so that you can decide whether it is right for you. New to The Points Guy? Sign up for our daily newsletter and check out our beginner's guide. So you'll only want to use this card for its introductory APR offer if you'll be able to pay down your balance before the introductory period ends. The Citi Simplicity Card charges no late fees, no annual fee and no penalty rate.

Citibank citi simplicity credit card

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

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It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins. Subject to credit approval. You can also pair the Freedom Unlimited with a premium Chase rewards card like the Chase Sapphire Preferred and potentially boost the value of your points when you redeem them through the Chase Travel portal. Our goal is to give you the best advice to help you make smart personal finance decisions. Apply for a credit card with confidence. Learn more and apply online. Credit Cards. Access to special card offers from top issuers in our network. National Debt Relief. See our methodology for more information on how we choose the best cards. The process can take up to three weeks after account approval. The card has a 0 percent intro APR for 21 months from account opening on both new purchases and on qualifying balance transfers made within days of account opening then a variable APR of Grace Pilling. Extreme optimizers might be able to achieve more value. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens.

It does not, and should not be construed as, an offer, invitation or solicitation of services to individuals outside of the United States.

This makes the Citi Simplicity stand out as an especially forgiving card for credit beginners and those managing debt. Our top picks of timely offers from our partners More details. While getting a generous intro APR offer and low ongoing APR are likely to be the biggest priorities for someone looking for a low-interest or balance transfer card, we also consider how much value a card can offer after its intro APR comes to an end. 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. A personalized list of cards ranked by order of approval will appear. A personalized list of cards ranked by likelihood of approval. Rewards: Limited long-term value Like most balance transfer cards, the Citi Simplicity does not have a rewards program. Rewards Cards. Every reasonable effort has been made to maintain accurate information. Here's an explanation for how we make money. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. Drawbacks and Considerations.