topic Re: Citibank Simplicity in Credit Card Applications

Citibank Simplicity

USMCOne — Sat, 23 May 2026 19:47:55 GMT

Wanted a no interest transfer to transfer a balance to. Applied for Citi Simplicity and snagged a 10,200 CLI. No interest for 18 months was a no brainer really for that. No frills card though other then that.

Re: Citibank Simplicity

reluctantgarden — Tue, 26 May 2026 17:04:55 GMT

@USMCOne wrote:
Wanted a no interest transfer to transfer a balance to. Applied for Citi Simplicity and snagged a 10,200 CLI. No interest for 18 months was a no brainer really for that. No frills card though other then that.

Congrats! It's actually really useful in that once you pay off a BT, you automatically get an offer for another one. Or if you don't need BTs going forward, you can PC to a Custom or Double Cash.

Re: Citibank Simplicity

SeanA — Fri, 29 May 2026 21:56:25 GMT

That's good for sure - congrats! For others with different payoff timelines, you could get up to 21 months without interest from a few other cards, from what I see on wallet hub. Citi Diamond Preferred for example. Or you could get like 12 months and no transfer fee.

Re: Citibank Simplicity

Wavester64 — Thu, 18 Jun 2026 16:49:37 GMT

@reluctantgarden wrote:
@USMCOne wrote:
Wanted a no interest transfer to transfer a balance to. Applied for Citi Simplicity and snagged a 10,200 CLI. No interest for 18 months was a no brainer really for that. No frills card though other then that.
Congrats! It's actually really useful in that once you pay off a BT, you automatically get an offer for another one. Or if you don't need BTs going forward, you can PC to a Custom or Double Cash.

I did not know this. I get offers to apply for this card all the time.

Assuming if the APR is 0%, there must be a transfer fee?