Talk to a human, have no Late Fees, and enjoy the Simple Life

Citibank is now offering a credit card where you can finally talk to a human when you need customer service and get the benefits of no late fees.  The Citi Simplicity Card is the latest of the "no hassle" type cards to come out following similar cards from Capital One and American Express Clear. The two Citi Simplicity Cards are pretty much the same except the one on the left features less APR for the long term vs. the Simplicity Rewards Card.  Its a matter of choice if you prefer rewards or keeping everything even more "simple".

Pros: No Late Fees, No Annual Fees, Less Hassles when you call

Cons: Interest raises higher if you miss your payments and late fees can be imposed if you quit using your card.

Bottom Line: We Prefer the American Express Clear Card when compared to the Simplicity Card. We do not advise that you use this card to get out of debt due to the interest increases that may happen. Please use this card with caution and read all the fine print.

If you would like to ask questions about the Citi Simplicity Card then call 800-986-2484.

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