Best Of Product
Citi Simplicity® Credit Card
Would you recommend Citi Simplicity® Credit Card to your friends?
| Community Rating | Strongly recommended |
| Purchase APR (Variable APR) |
16.99% - 26.99% (Verified 08/04/2023) |
| Balance Transfer APR (Variable APR) |
16.99% - 26.99% (Verified 08/04/2023) |
| Credit Score Range | 700 - 850 |
| Annual Fee | $0 |
| Number of Reviews | 6 |
Citi Simplicity® Credit Card Review
This is a card issued by Citi®. If you're wondering whether Citi Simplicity card is the right card for you, read on.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 18 months, which is longer than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 18 months.
- Competitive APRs. Citi Simplicity® Credit Card has a variable purchase APR that ranges from 16.99% up to 26.99%.
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. Citi Simplicity® Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, identity theft protection, purchase security, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Citi Simplicity card
| The Good | The Bad |
|---|---|
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Citi Simplicity card FAQ
Does Citi Simplicity card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Citi Simplicity card benefits?
It provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Citi Simplicity card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance.Citi Simplicity® Credit Card has a variable purchase APR that ranges from 16.99% up to 26.99%. The card has a variable balance transfer APR that ranges from 16.99% up to 26.99%. It also has a variable cash advance APR of 27.49% .
Does Citi Simplicity card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 18 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 18 months |
| Balance Transfer APR | 16.99% - 26.99% |
| Balance Transfer Fee Minimum | $5 |
| Balance Transfer Fee % | 3% |
Does Citi Simplicity card have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period | 18 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 18 months.
What are the fees for Citi Simplicity card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $ |
| Initial Program Fee | $ |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | Starting at $ up to $41 |
| Late Payment Fee |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
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 foreign transaction fees.What is the customer service phone number for Citi Simplicity card?
The Citi Simplicity card customer service number is (800) 950-5114.
What is the support contact email for Citi Simplicity card?
The support contact email for Citi Simplicity card is customer.help@citi.com.
What is the Citi Simplicity card login page?
You can access the Citi Simplicity card login page here.
How do people rate the customer service and user experience of Citi Simplicity card?
Overall, Citi Simplicity card is strongly recommended based on community reviews that rate customer service and user experience.
Does Citi Simplicity® Credit Card report your account activity to credit bureaus?
Yes, Citi Simplicity® Credit 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 may help improve your credit.
How to apply for Citi Simplicity card
- Visit the Citi Simplicity card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
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.
Contact
- Headquarters
-
388 Greenwich Street
New York, NY 10013 USA - (800) 950-5114
- Visit Site
- Email Support
Other Services by Citi®
Other Credit Cards by Citi®
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Introductory Rate | 0% |
| Purchase Intro APR Period (Variable APR) | 18 months |
Citi Simplicity® Credit Card Community Reviews
Would you recommend Citi Simplicity® Credit Card to your friends?
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