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How to Apply for the Citi Simplicity Card

Requirements and a step-by-step walkthrough.

Requirements

• Good-to-excellent credit is recommended
• At least 18 years old with a valid SSN or ITIN and verifiable income
• The intro balance-transfer APR generally is not available if you moved a balance under a Citi intro offer in about the past 48 months

Step by step

1. Confirm you have not used a Citi intro balance-transfer offer in roughly the past 48 months.
2. Open the official Citi Simplicity page and choose Apply.
3. Enter your personal and income details, then add any balances you plan to transfer.
4. Complete transfers within 4 months of opening to keep the intro balance-transfer fee.

Go to the official application →

FAQ

How long is the 0% period?

It is 0% for 21 months on balance transfers and 12 months on purchases from account opening, after which the regular variable APR applies.

Does this card earn rewards?

No. The Citi Simplicity Card does not earn cash back or points; its value is the long interest-free window and no late fees.

Advertiser disclosure: this page is supported by advertising and is for information only. It is not the issuer and does not process applications. Confirm current terms on the issuer's official site.