Citi Simplicity Card
in Personal Credit Cards from Citibank
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Would you recommend Citi Simplicity Card to your friends?
| Annual Fee | $0 |
| Purchase APR (Variable APR) | 16.49% - 26.49% |
| Balance Transfer APR (Variable APR) | 16.49% - 26.49% |
| Credit Score Range | 700 - 850 |
Citi Simplicity Card Review
Citi Simplicity Card is a credit card issued by Citibank.
This card is designed for people with good credit. The minimum credit score to apply is 700. If you're wondering whether Citi Simplicity Card is the right card for you, read on. This is everything you need to know to make a good choice.
Is there a Citi Simplicity Card cash back or rewards program?
No, Citi Simplicity Card does not offer a rewards program.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
What are the Citi Simplicity Card benefits?
Citi Simplicity Card provides the following benefits:
- Free Credit Score
- Fraud Liability
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for Citi Simplicity Card?
Citi Simplicity Card has a variable purchase APR that ranges from 16.49% up to 26.49%. The card has a variable balance transfer APR that ranges from 16.49% up to 26.49%.
It also has a variable cash advance APR that ranges from 16.49% up to 26.49%.
Does Citi Simplicity Card have an introductory APR offer?
Yes, Citi Simplicity Card offers an introductory APR rate on balance transfers of 0% for a period of up to 21 months.
This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 18 months.
| Description | |
|---|---|
| Balance Transfer APR | 16.49% - 26.49% |
| Introductory Rate | 0% |
| Intro APR period (months) | 21 |
| Description | |
|---|---|
| Balance Computation | daily balance (including current transactions) |
| Purchase APR | 16.49% - 26.49% |
| Credit Limit | N/A |
| Penalty APR | N/A |
| Cash Advance APR | 16.49% - 26.49% |
| Security Deposit | N/A |
| Introductory Rate | 0% |
| Intro APR period (months) | 18 |
What are the Citi Simplicity Card fees?
The following fees apply to Citi Simplicity Card:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Balance Transfer Fee | 5% |
| Minimum Balance Transfer Fee | $5 |
| Returned Payment Fee | $39 |
| Late Payment Fee | $0 |
Does Citi Simplicity Card have a foreign transaction fee?
Citi Simplicity Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.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 on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.
How to apply for Citi Simplicity Card
- Visit the Citibank website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Contact
- Headquarters
-
388 Greenwich Street
New York, NY 10013 - Visit Site
Other Services by Citibank
View all personal credit cards offered by Citibank
Availability
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
| Annual Fee | $0 |
| Late Fee Amount | $0 |
| No Annual Fee | |
| No Interest Grace Period for Late Payment | 23 |
| Balance Transfer Fee % | 5% |
| Balance Transfer Fee Minimum | $5 |
| Cash Advance Fee (%) | 5% |
| Cash Advance Fee Minimum | $10 |
| Foreign Currency Transaction Fee | 3% |
| Minimum Interest Charge | $0.50 |
| Returned Payment Fee | $39 |
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Would you recommend Citi Simplicity Card to your friends?
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650 - 850
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27.49%
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N/A
Credit Score Range
650 - 850
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27.99%
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27.24%
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650 - 850
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30.49%
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17.74% - 25.74%
(Variable APR)
Balance Transfer APR
17.74% - 25.74%
(Variable APR)
Credit Score Range
720 - 850
Annual Fee
$0
Maximum
Purchase APR
30.24%
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N/A
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