Citi Simplicity Card Rewards

99 percent — 23. 99 percent) and the opportunity to earn 2 percent cash back on every purchase (1 percent as you buy and an additional 1 percent as you pay for your purchase). If you're forgetful or have a history of occasionally missing credit card payments, the Citi Simplicity's lack of late fees or a penalty APR may make it a great option for you. You also have the option to choose your payment due date, which can be helpful for those who are more dependent on their paycheck schedule. The card also serves as a tool to pay off large purchases with a 18 month zero percent introductory APR on new purchases (variable 14. 74 percent after the fact), though we recommend you look for a card with a longer purchase APR offer if that's your main priority. Get the most value from the Citi Simplicity® Card For a credit card without a rewards rate, welcome bonus or fancy perks, the Citi Simplicity offers several helpful protections and services. The card comes with $0 liability protection on unauthorized charges made to your account, as well as Citi® Identity Theft Solutions.

Citi Simplicity Card Review | CreditCards.com

Balance transfers must be completed within 4 months of account opening. You'll also get free access to your FICO® score online. In addition, with Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more. Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions. This card comes with no annual fee. The Citi® Double Cash Card offers you the chance to earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. Balance Transfers do not earn cash back. Opinions, reviews, analyses & recommendations are the author's alone, and have not been reviewed, endorsed or approved by any of these entities.

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Citi Simplicity® Card: One of the Best 0% APR Cards: A Path To Lower Balances And Interest Payments | Credit Card Review

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That's a generous window compared to what comparable balance transfer cards are offering right now. Four months gives you time to make a debt repayment plan for your desired transfers. No annual fee: Most balance transfer cards come with no annual fee, so this isn't a unique feature for the Citi Simplicity. But it's still a win that a fee won't cut into your interest savings. Cons Explained High ongoing APR: You'll pay an APR of 14. 74% - 24. 74% variable based on creditworthiness once your introductory offers ends, which is a bit higher than the rate some competing balance transfer cards charge. No Rewards, No Problem The fact that the Citi Simplicity Card doesn't have a rewards program is a pro, not a con. This card's goal is to help you get out of debt interest-free. Your focus should be on paying off your balance—not adding to it to get rewards. Customer Experience J. D. Power ranked Citi 6 out of 11 credit card issuers in its 2020 U. S. Credit Card Satisfaction Study. Citi scored 801 out of a possible 1, 000 points, below the industry average of 810.

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Citi Simplicity With Rewards Peer Comparison There are a few cards that we can compare this card with. The first is obviously their own Citi Diamond Preferred Rewards and the Citi PremierPass Card. Other competitors card like the Amex Blue, Chase Flexible Rewards Card and BOA Power Rewards also comes to mind. So let's get the ball rolling. Versus Citi Diamond Preferred Rewards Card - This card is essentially the same as the Diamond Preferred Rewards Card. The only difference is the late fee waiver feature. Otherwise, aside from the design, it is identical. Update - the Citi Diamond Preferred Rewards Card has been replaced by the Citi ThankYou Preferred Card. Versus Citi PremierPass Card - The PremierPass Card has a no annual fee version and an annual fee version. We shall compare this to the no annual fee version. The big difference between both cards is that the PremierPass Card allows you to earn Citi ThankYou points not just on stuff that you buy, but also from the miles that you fly (you obviously have to use the card to pay for your tickets).

Citi is an advertising partner. The Citi Simplicity® Card - No Late Fees Ever can be an excellent tool for consumers who wish to get their credit card debt under control. This card comes with an intro APR of 0% for 18 months on Balance Transfers – which is among some of the better offers we've seen–then a 14. 74% - 24. 74% (Variable) APR applies, based on your creditworthiness. Review: The Citi Simplicity® Card - No Late Fees Ever Is A Great Option For Lowering Your Interest Payments The Citi Simplicity® Card - No Late Fees Ever is a great option if you have a balance on an existing card and are seeking to pay it down quicker, and avoid interest. The 0% for 18 months on Purchases and 0% for 18 months on Balance Transfers gives you ample opportunity to put a dent in your debt. According to reports from the Federal Reserve, the average credit card APR for accounts that are assessed interest hovers at around 15%. If you have $10, 000 in credit card debt and are making $550 monthly payments on an average card, moving the debt over to the Citi Simplicity® Card - No Late Fees Ever can save you as much as $1, 255.

Citi Simplicity Card Review

Alternatives to the Citi Simplicity Looking for the best deal on balance transfers? Catch our detailed breakdown of the best 0% APR credit cards for balance transfers in 2021 and see where the Citi Simplicity fits into the equation. Final Thoughts Citi markets the lack of fees and penalty rates for late payments as the primary benefit of the Citi Simplicity. There is no annual fee, and you don't get charged late payment fees, nor will you pay a penalty APR if you are late paying your account. The card is forgiving in this respect, but it can also help to cement poor fiscal habits that could negatively impact your credit score in the long run. You should do everything in your power to pay the full balance on your credit cards each month to avoid paying interest on purchases. But, if money is tight and you need time to reset your finances, the Citi Simplicity can help play an active role in your economic recovery. AwardWallet Tip of The Day Did you know that for each airline within one of the global alliances you can view the balances across all carriers in this alliance?

On top of this, transferring the balance over will also cause you to be rid of the debt sooner than had you stuck with the 15% card. There are never any late fees nor penalty APR on the Citi Simplicity® Card - No Late Fees Ever. Most other cards charge as much as $35 dollars for late payments and can raise your APR as high as 29. 99%. Keep in mind that other consequences for missing payments can still apply, such as damage to your credit score. We implore consumers to only treat this benefit as a safety net, in case they ever happen to forget a bill. The one area where this card underperforms is in its lack of rewards. If you consistently maintain no monthly balance and pay on-time, the Citi Simplicity® Card - No Late Fees Ever really doesn't offer much value. Under these circumstances, Citi and other card companies have a wide array of rewards credit cards that will earn you points, miles or cash back on all your purchases. If you're willing to settle for slightly worse terms, you can also opt for a balance transfer/reward card hybrid, such as the Chase Freedom Flex℠.

Citi Simplicity With Rewards - Is the Late Fee Waiver The Main Feature? Conclusion - The key selling point of this card is the late fee waiver feature. Other than that, this card is no different from Citi's own Diamond Preferred Rewards Card. To avoid late fees, the best thing to do is to actually set up an automatic payment with Citibank so that your credit card payment is automatically deducted from your bank account each month. However, for those who insist on sending a check or to pay bills online manually, this is a very useful feature. (Note however, that late payments will still be reported to credit bureaus which will affect your credit scores). Hence, there are tradeoffs with this card compared to other Citibank cards. If the late fee waiver feature is very important to you and you want to earn rewards with your credit card, then the Citi Simplicity Rewards Card is made just for you. However, if you always pay your bills on time and do not consider the late fee waiver feature important, then you should also consider the other cards which we compared this card with as possible alternatives depending on your spending habits and reward preferences.

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June 25, 2021, 11:05 pm