Last Updated: 07/28/2025
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
19.24% - 29.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
19.24% - 29.99%(Verified 07/25/2024)
Disclaimer popup with additional information
Credit Score Range
700 - 850
Annual Fee
$0
Disclaimer popup with additional information
Number of Reviews
Citi Simplicity® Credit Card Review
This is a card issued by Citi®. If you're wondering whether Citi Simplicity® Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 21 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 18 months.
- N/A
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 19.24% up to 29.99%.
- 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.$0
- A 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 up to 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 excellent credit required. You will have low approval odds if your credit score is below good.
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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Citi Simplicity® Credit Card has a variable purchase APR that ranges from 19.24% up to 29.99%. The card has a variable balance transfer APR that ranges from 19.24% up to 29.99%. It also has a variable cash advance APR of 29.99% .
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 21 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 19.24% - 29.99% (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 21 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 18 months.
What are the fees for Citi Simplicity card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 up to 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 customer service number for Citi Simplicity card 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.
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 to the following credit bureaus:
- 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 build your credit.
Does Citi® perform a hard credit pull?
Yes, Citi Simplicity card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Citi Simplicity card
- Visit the website of Citi Simplicity card.
- 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.
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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
10:00AM - 3:00PM
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Other Credit Cards from Citi®
Purchase APR
19.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
28.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
620 - 850
300
850
Annual Fee
$0
Purchase APR
18.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$99
Purchase APR
20.49%
Disclaimer popup with additional information
Balance Transfer APR
20.49%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
21.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
21.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
720 - 850
300
850
Annual Fee
$95
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
24.74%
Disclaimer popup with additional information
Balance Transfer APR
24.74%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
18.24% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
28.49%
Disclaimer popup with additional information
Balance Transfer APR
28.49%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0 - $59
Rating not yet determined
Purchase APR
17.99% - 23.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.99% - 23.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$495
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.
+100
-1000+100
No one recommends
Everyone recommends
Citi Simplicity® Credit Card Community Reviews
Would you recommend Citi Simplicity® Credit Card to your friends?
Muhammad A.
Jan 4, 2022
May or may not recommend
With Purchase Protection, the Citi Simplicity Card is an excellent choice for consumers.
LA
Lisa A.
Oct 11, 2021
May or may not recommend
I am happy with the Citi Simplicity Credit Card. I like the low-interest rate that I received when I applied for the credit card. Even better is there is no penalty if I forget to make a payment. My experience so far has been satisfactory and I would recommend it to anyone considering them.
VH
Victoria H.
Aug 25, 2021
May or may not recommend
I enjoy this card because I am a fan of customer service. I enjoy that they were easy to talk to while signing up, because I called and talked to them about what was the best option. I also like that there is a 0% interest for the first 18 months. That is a nifty feature that I actually try to find credit cards that have this because it saves ...Show More
SC
Shoane C.
Jul 3, 2021
May or may not recommend
I personally use this particular card and have been using it for about five years now. What I like about this card has a low APR and it helps you with money management, finances, and savings. This card offers different features and it helps you to manage your money, watching what you spend and when it's time to pay off your credit card bill. They have no late fees ...Show More
KR
Kenneth R.
Nov 18, 2020
May or may not recommend
I was able to open my Citi Simplicity card with a moderately good credit score. The monthly payments have been reasonable. Although Citi made changes to their website structure for accessing the account it was not that difficult to adapt to and making the payments online and tracking the account has been easy.
Miron L.
Dec 12, 2019
May or may not recommend
18 month 0% interest is one of the best zero interest offers available. This is one of the best cards available if you are looking to get a credit card to finance a major purchase.
Showing 6 of 6 reviews
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