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  Citi Simplicity Card

Citi Simplicity Card

in Personal Credit Cards from Citibank

Unaffiliated

Citi Simplicity Card

Unaffiliated

in Personal Credit Cards from Citibank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 16.49% - 26.49%
Credit Score Range 700 - 850
Annual Fee $0
Purchase APR  (Variable APR) 16.49% - 26.49%

Citi Simplicity Card Review

Citi Simplicity Card is a credit card issued by Citibank.  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.

  • 0% balance transfer intro rate. Offers an introductory APR rate on balance transfers of 0% for up to 21 months , which is longer than the average 0% APR period of 12 months.
  • Competitive APRs. Citi Simplicity Card has a variable purchase APR of up to 26.49%.
  • 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 purchase protection, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
The Good The Bad
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • Citi Simplicity Card reports to multiple credit bureaus.
  • Free access to your credit score.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.

Is there a Citi Simplicity Card cash back or rewards program?

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

What are the Citi Simplicity Card benefits?

Citi Simplicity Card provides the following benefits:

  • Free Credit Score
  • Zero fraud liability
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Citi Simplicity Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance.

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 on balance transfers??

Yes, Citi Simplicity Card offers an introductory APR rate on balance transfers of 0% for a period of up to 21 months.

Citi Simplicity Card Balance Transfers
Description
Balance Transfer APR 16.49% - 26.49%
Introductory Rate 0%
Intro APR period (months) 21

Does Citi Simplicity Card have an introductory APR offer on new purchases??

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

What are the Citi Simplicity Card fees?

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 $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 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 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.

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

No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 23
Late Fee Amount $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $0.50
Returned Payment Fee $39
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Card Type
  • Balance Transfer
  • Zero Percent
Card Network
  • Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Fraud Liability  
Car Rental Insurance  
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Purchase Protection
Free FICO Score  
Rewards Type No Rewards
Cash Advance APR (Variable APR) 16.49% - 26.49%
Purchase APR (Variable APR) 16.49% - 26.49%
Introductory Rate 0%
Balance Computation daily balance (including current transactions)
Intro APR period 18
Balance Transfer APR (Variable APR) 16.49% - 26.49%
Introductory Rate 0%
Intro APR period 21

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