Citi Simplicity Card Review

Citi Simplicity Card is a credit card issued by Citibank. 

Good credit. 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.

Citi Simplicity Card Rewards

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:

• Fraud Liability
• Travel Assistance
• 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 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%.

What are the Citi Simplicity Card fees?

No Annual Fee. Citi Simplicity Card does not charge an annual fee.

3% Foreign transaction fees. 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.

The following fees apply to Citi Simplicity Card:

Citi Simplicity Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%
Balance Transfer Fee	5%
Minimum Balance Transfer Fee	$5
Returned Payment Fee	$35
Late Payment Fee	$0

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.

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.