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Citi Simplicity Card

in Personal Credit Cards from Citibank

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Citi Simplicity Card

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in Personal Credit Cards from Citibank

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Highlights
Highlights
Purchase APR 15.49% - 25.49%
Balance Transfer APR 15.49% - 25.49%
Annual Fee $0
Credit Score Range 700 - 850

Overview

Who is this credit card designed for?

Citi Simplicity Card is a credit card issued by Citibank, which is based in New York, NY. 

Citi Simplicity Card is designed for people with a credit score of 700 to 850. It's perfect for consumers looking for a card without an annual fee. This card supports balance transfers, which is an attractive feature if you have credit card debt and would like to transfer it to a card with a lower APR.

What are the relevant APRs?

Citi Simplicity Card has a variable purchase APR that ranges from 15.49% up to 25.49%.

The card has a variable balance transfer APR that ranges from 15.49% up to 25.49%.

It also has a variable cash advance APR that ranges from 15.49% up to 25.49%.

Is an introductory APR offer available?

Yes, Citi Simplicity Card offers an introductory APR rate on balance transfers of 0% for a period of 18 months.

This card does offer an introductory APR rate on new purchases of 0% for a period of 18 months.

What are the fees?

The following fees apply to Citi Simplicity Card:

  • There is no annual fee.
  • A late payment penalty of up to .
  • A returned payment fee of up to $35.
  • A foreign transaction fee of 3%. Transactions in a foreign currency get hit with a 3% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $30.

Is a rewards program offered?

No, Citi Simplicity Card does not offer a rewards program.

Is a signup bonus offered?

Citi Simplicity Card doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

Citi Simplicity Card doesn't offer a cash loyalty bonus.

What additional benefits are offered?

 Citi Simplicity Card provides the following benefits:

  • Fraud Liability
  • Travel Assistance
  • ID Theft Protection
  • Reports to major credit bureaus
  • Does Citi Simplicity Card report your account activity to credit bureaus?

    Citi Simplicity Card reports your account activity to the following credit reporting agencies:

    • Equifax
    • Experian
    • Transunion

    Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

    SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 50 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Grace Period for Late Payment (Days) 23
    Annual Fee $0
    Late Fee Amount $0
    No Annual Fee  
    Returned Payment Fee $35
    Minimum Interest Charge $0.50
    Balance Transfer Fee % 5%
    Balance Transfer Fee Minimum $5
    Foreign Currency Transaction Fee 3%
    Minimum Age 18
    Credit Score Range 700 - 850
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Customer Type Personal
    Car Rental Insurance  
    Extended Warranty  
    Fraud Liability  
    Emergency Support  
    Credit Card Benefits
    • Fraud Liability
    • Identity Theft Protection
    • Purchase Protection
    • Travel Assistance
    Purchase APR (Variable APR) 15.49% - 25.49%
    Cash Advance APR (Variable APR) 15.49% - 25.49%
    Balance Computation daily balance (including current transactions)
    Introductory Rate 0%
    Balance Transfer APR (Variable APR) 15.49% - 25.49%
    Introductory Rate 0%
    Intro APR period (months) 18

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