- Minimum Credit Required: Excellent
- Annual Fee:$0*
- Network: MasterCard
|Intro Rate 0%||Intro Period 18 months||Regular Rate 12.99% - 21.99% (V)|
|Intro Rate0%||Intro Period18 months||Regular Rate12.99% - 21.99% (V)||Balance Transfer Fee 3% (min $5)|
|Cash Advance Rate 12.99% - 21.99% (V)||Cash Advance Fee 5% (min $10)|
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- No late fees - EVER.
- No penalty rate - EVER.
- No annual fee - EVER,
- Save time when you call with fast, personal help, 24 hours a day.
- Max Late Fee: None
- Max Overlimit Fee: None
- Max Penalty APR: None
- Grace Period: 23 days
- Online Response: No
- Foreign Transaction Fee: 3%
If you currently have the Citi Simplicity® Card and are satisfied or you like the terms of this credit card offer please let your friends know.
Share your experiences, thoughts or just ask a question:
- Kraig Lasher:
Oh the perks of climbing the hills of credit and reaching the peak! I once had bad credit although not due to poor credit card management. Then I used credit cards to help me build it all the way to very good. I would not call it excellent but it's up there now and I was still approved for this card. I really appreciate the card and it is really effective with making sure you don't hurt your credit as there are no late fees, annual fees, or penalty rates. Yes, I could not believe it my self. Especially the no late fees part. I initially transferred my balances from other cards and then I just dropped those. I would rather have it all in one now, and the Citi Simplicity card really does make things simpler and less worrisome. I made use of the 18 months with no interest as well since I had recently climbed out of losing everything. I had to buy everything all over again. I really appreciate this card, but I understand why you must be doing well with credit to be eligible.
May 6, 2013 at 03:30pm
- Andy Whitfield:
Owning this credit card has made it pretty convenient for me as consumer to build up my credit and not have to worry about outlandish fees or charges when I use it. I tend to transfer my balances on more than normal occasions and the fees are very small compared to other cards---only about 3%, so its not really killing me. My absolute most favorite thing about the card though is the fact that there are no penalty or late fees at all. What an amazing feature, it has helped me on more than one occasion to avoid fees that I would have incurred with any other credit card. Oh and no annual fee either! How great is that?
April 26, 2013 at 01:48pm
- Richard Schmitt:
The Citi Simplicity card is the most aptly-named credit card around. It simplifies everything that my family does. It enabled us first to transfer our balances on other cards to this new Citi Simplicity card with a higher credit limit and lower rates. The 18 months at 0% interest helped my family buy the things we needed after getting our first house without worrying about serious interest charges and fees. After the first eighteen months, the interest rate was still reasonable as well. I had an issue twice about charges on my card, and both times the customer service representatives were very cooperative and high-spirited. If not for the Citi Simplicity card, my family would still be trying to prioritize our needs for the house instead of being able to accomplish all our goals at once. Citibank overall has done a wonderful job with credit cards, but Simplicity may just be the best!
April 19, 2013 at 05:09pm
- Anonymous User:
This card turned out to be my solution. I was like a lot of people, trying to furnish my apartment through the furniture store’s credit plan. I was getting about 90 days to pay at no interest. After that the interest rate skyrocketed. I finally took the time to shop around for one of these 18 mos 0% APR credit card offers I heard about. I found Citi Bank. The Citi Simplicity Card had what I was looking for-- a card with a long enough window at no interest, decent interest rates afterwards and a good reputation. I also transferred one of my high interest balances to this card and didn't have to pay interest on that for a while either.
April 8, 2013 at 02:56pm
- Paul Rath:
The Citi Simplicity card is a very good simple credit card. There is a great introductory rate for the first 18 months with 0% interest. The interest rate then goes to only 12.99% on purchases and about 22% on cash advances which isn't bad for a credit card The card has given me a generous credit limit as well. I've had an issue with a fraudlent charge on my account last month and went online to the dispute center and disputed the charge and they handled it very quickly with no issue, simply taking the charge off the bill after a few days. I hope this charge doesn't come back again but If It does I am confident that I will be able to resolve it and if needed change my credit card number with no issues. I recommend it to anyone looking for a simple no-frills card.
April 5, 2013 at 08:25pm
- Kathy Fitzgerald:
I originally got the Citibank card several years ago during a promo for 1.99% interest on transferred balances until the card is paid off. I initially consolidated two cards, and about 3 years ago, transferred the balances of notes on two motorcycles to this card at an interest rate of 2.99% until paid off. Essentially, I used the card as a loan, and the only interest I paid at the actual rate, which was something like 14-16%, was on the interest accrued on the balance. I paid the last payment in January, and the total interest I paid was significantly less than I would have paid on a regular bank loan. I don't see this type of offer any more, but have seen some that allow you to pay 0 - 1.99% on transferred balances for up to 18 months. I'm not sure if there's a fee for transfers, but from personal experience, if you can pay the balance off within the promo period, it's worth a relatively small fee, because you save more than enough in interest to make up for the fee.
April 5, 2013 at 08:00pm
- Sam Uliano:
I will be honest: I hate the thought of having a credit card. I don't know nearly enough about them or finances in general to be responsible for something, but this card makes it easy. I got laid off a couple of months ago, and not having to worry about fees is a huge bonus, plus the whole no interest for 18 months is especially sweet for someone in my position. I can keep track of my money responsibly. I was somewhat nervous at first, however, about switching to Mastercard as I have always had a Visa before. But I found that there is almost no difference between the two-- everyone says Visa is available in more places, but I haven't run into anywhere yet where Mastercard wasn't also accepted. I've lived all over the country and traveled all over as well and I still get service everywhere. If you are nervous about going with a credit card, this might be your best option. It was mine.
February 15, 2013 at 09:11pm
- Anonymous User:
The Citi Bank Simplicity card is just that; a simple card. No hassles, no complicated usage requirements for awards or miles or anything. There’s no annual fee, and fairly standard values for interest rate charges, balance transfers, and the other normal categories we consumers should be comparing. CitiBank is a good business, aside from their fee hungry banking services, and their great customer service carries over into their credit card operation. I have had quite a few cards thus far in my life, and most have been pretty good. I don’t apply for cards from companies which aren’t good. You shouldn’t either. Reward the card companies you feel are good by using their product, and get rid of the cards you don’t like. Get yourself a Citi card, and you will appreciate the difference. Citi Bank will make you feel wanted, and the Simplicity card will treat you right.
February 15, 2013 at 04:05pm
- Andres Vazquez:
I just received the city card and when I try to activate it , I was told that that number did not exist.and they hang up on me, not that I need the card but it was not right.
February 13, 2013 at 09:51pm
- Rachel Rairdin:
I use my Citi Simplicity card for the balance transfer offers. When I originally signed up, I got 0% interest for 18 months with a 3% balance transfer fee. I saved hundreds by using the money to pay off my home improvement loan. Right now it seems they have less and less balance transfer offers. Luckily, they are still at 3% for the balance transfer fee, because one of my other Citi cards went to 4%. The offers are usually for about 12 months no interest, which they usually have offers for 15 months no interest. I also like the Citi Deals, it seems the “Daily Deal” is actually a really good deal and stuff I would want to buy. Overall, I am happy with my card and will continue to take advantage of their balance transfer offers for a cheap source of cash.
January 25, 2013 at 08:53pm
- John Johnson:
I am very happy that I decided to apply for the City Simplicity card. It has been one of the best cards that I have used. I really liked the 0% interest on purchases for the first 18 months.. Also, when I have other cards with higher rates, I love to transfer my balances to this card, where I can take advantage of the 0% interest for 18 months on balance transfers! I forgot to make a payment one time and gave them a call, and they had no problem letting it slide that time. They were very helpful and I am glad I decided to get this card!
January 25, 2013 at 03:31pm
- Anonymous User:
Applying for the Citi Simplicity card was one of the easiest and most rewarding things I have done online. I can not count how many times I used this card in a pinch when I needed it, and Citi has always been very prompt on any service issues or complaints that I had. My Citi card has easily, by far, the most simple balance transfer system I have ever used, and it definitely saved me quite a bit of money before I ever even started using the card regularly. I recommend Citi Simplicity to anyone looking for a direct, easy to use card that you can really depend on the service of, and also to anyone looking for a balance transfer.
January 11, 2013 at 06:37pm
- John Johnson:
I've had this card for quite a few years now and it has been a very good card. I basically use this card in case of emergencies. The first time I used it, my truck broke down and I didn't have enough money to pay for the repairs. So I used this card to pay for the repairs while it was still under the intro period, which was great because it let me pay it off with 0% interest! The nice thing about this car, is there's no hidden fees or annual fees. It is all straight forward, which is what I really like. I have only had to call customer service once for an issue I had, and they were very friendly and took care of it so I wasn't charged extra.
January 11, 2013 at 04:55pm
- Kristin Foss:
I have had this card for years. Since 2006, I believe. I got it as a broke college student, and used it to cover expenses that my loans and part time job would not cover. This is not to say I spent entirely responsibly. As my balance grew, they kept extending my credit, until it was way up there. I finally reached the limit, and am paying it off. I got lucky, my APR is nice and low, making it much easier to pay off, but that is only because I opted out of the change in terms that would have kicked it up to 19%. But since I have been a card holder for so long, in the rare times that I am late on a payment, they return the service charge, and are very polite and helpful (albeit, they are almost always in India). I would recommend this card to you if you can get the APR low.
January 3, 2013 at 07:04pm
- Anonymous User:
My Citi Simplicity Card has been one of the better credit decisions I’ve made. One of the best attributes of this card is that it has 0% interest on items for an extended period of time. Another amazing attribute of this card is that they have no late fees, no annual fees, and no penalty fees. This is great because every so often I can get behind on my payments and not having a fee every time I’m late definitely saves me money. They also have terrific customer service. They were able to answer all my questions about using my credit card abroad and they ensured me it would work without a problem, and they were right! Simplicity Citi is a great credit card to have and I highly recommend it.
December 26, 2012 at 08:40pm
- Nicolas Billings:
I used this card with minimal difficulty. The major benefit was the relative ease of communicating with customer service representatives; they were able to help me with virtually any problem I encountered. There was, for example, no issue with having the card replaced after I (somewhat embarrassingly) lost it. They were very helpful in ensuring that I ran into no problems while I used the card abroad, either. When I had fairly simple questions about PINs, the CitiBank staff was there to help. I was not crazy about where the interest rate ended up, but I have to admit that it was at least a competitive rate, and so I can't fault CitiBank for that.
November 20, 2012 at 03:21am
- Virdette Otkins:
I love my Citi Simplicity Card. I've had it for 6 months now and I have absolutely no complaints. I actually prefer this card over all the others I have had in the past. I recently made a switch because I was not satisfied with my card or bank, and it seems like I made the right move. All of the associated fees and rates are more than reasonable and fit me perfectly. I would recommend this card to anyone. It is the absolute best. If you are looking for a new card, look no further. This is the number 1 choice.
November 20, 2012 at 12:39am
- Anonymous User:
I have had my City Simplicity card for a number of years now. I got it back when I wanted to transfer balances from my higher interest rate credit cards to a card with a balance transfer offer that was better than others I had found. Since that time, I have gotten pretty good offers from Citi to transfer other balances and it would be for a low rate for the remainder of the balance and wouldn’t end after a certain time period. This worked great for me, and it was at an interest rate I would have been hard pressed to find with a bank even. I would highly recommend Citi for your credit card needs.
November 8, 2012 at 07:55pm
- Sara Appino:
I was able to qualify for this Citi card after maintaining a very good credit score for several years. I was really excited to finally have a card that offered me 0% on purchases for an extended period of time, which this one thankfully does. Because I am at a point in my life that I can pay off my full balance each month, this card is perfect for me. I am not paying anything extra in interest and fees, and just using my card as a convenience when I need to. I'm finding that it's also a good way to continue my good credit history by paying off my balance each month. A great card overall!
October 11, 2012 at 03:28pm
- Michael J Johnson:
The Citi Simplicity Card is exactly what it says in the name... simple. With no late fees and no penalty rate, no annual fees, it makes this card the easiest credit card to have. They have amazing customer service representatives that work very hard to satisfy your needs. They truly give you a peace of mind. Citi Bank has always been a favorite of mine but this card tops it all. Decent interest rates make it easy to charge and then pay back what you have charged without spending years doing it. I recommend The Citi Simplicity Card in a heartbeat to anyone wanting an easy, reliable credit card.
October 11, 2012 at 01:44pm
- Anonymous User:
I have had my Citi Simplicity card for years, and I have always been extremely happy with it. This simple card just works for everything I need, whether it is regular credit card usage, or using the convenience checks when I need to pay for something that doesn’t take a credit card. I was also able to transfer over several card balances when I opened the account and get 0% interest on them, which was a great way to help pay down my debt. There is definitely something confidence inspiring, even in this recession about having a card backed by Citibank. It is just comforting to see that name on a card in my pocket.
September 27, 2012 at 01:27pm
- Anonymous User:
I was a loyal CitiBank customer for a long time. We had quite a few accounts with them (checking, savings, IRA, loans, you name it!). After an incident regarding our home equity loan, I got really upset and closed out everything we had through them and that included our Citi Simplicity Card (which was admittedly overdoing it a bit but I didn't even want to see their name on anything I owned). However, the card itself was perfectly fine. I only had it for a few years but it suited our needs well. I believe really good credit is required to qualify, but for people who do it doesn't charge cardholders a late fee or over-limit fee. That was useful for us (we're pretty busy and have multiple accounts so we aren't always able to keep great track of everything). As a matter of fact, the only fee I can ever remember paying were cash advance fees. They never raised our interest rate either. I can't say there are any stellar rewards opportunities or extravagant perks with this card, but it does have some good points like a long 0% intro offer and no annual fee. All in all, once I've cooled off I would reconsider reapplying for this credit card again in the future.
September 14, 2012 at 04:21pm
- Anonymous User:
This was only the second credit card I ever received (first was one through my credit union) and the first one I got from a major bank. I’ve had this card for at least 6 years now though, and continue to use it regularly. There is definitely something confidence inspiring about a card backed by a name like Citi. The interest rate is very reasonable, and of course there is no annual fee, which is pretty much a requirement for credit cards that I get. Overall, I can’t say that I have any complaints. There is nothing really fancy to this card, it is just a good low interest, no fee quality card that is accepted everywhere. What more can you ask for?
September 14, 2012 at 01:12pm
- Loredana Magie:
Being honest, I’ve tried many credit cards before, but most of them made me unwanted surprises. I didn’t exactly know what should I do, especially because my job requested me to have such a credit card. One of my co-workers told me something about Citi Simplicity Card and I made me very curious about it. I called the customer service and they were very nice with me, very polite and respectful. They seemed prepared to fulfill all my wishes about this. So I decided to purchase Citi Simplicity Card and give it a try. I have to be honest and tell you that I was very satisfied with it, because I could pay all my bills and anything else on time, avoiding causing myself any kind of trouble. I would not use another credit card, because this one provides me many facilities and giving it up would automatically mean giving up the only credit card which satisfied all my needs.
September 5, 2012 at 04:09pm
- Adrian PÃ³Å‚torzycki:
The Citi Simplicity Card credit card is the card I had in terms of many things but it especially shines in the department of low interest rates on my purchases. I have bought many different things that I need for school with this card and they were all great purchases. The really low interest rate really helped out because I needed to get books at the time and couldn’t afford to pay for them with cash. Now that I am paying them off I am glad that I used this card because the interest is so low it doesn’t impact my income of money from the current job I have.
September 5, 2012 at 04:07pm
- Richard Johnson:
Good card from a very great and respectable bank. The interest rate honestly could be better but you can't beat the 18 month intro rate. Besides, as for the interest rate, as long as you are smart with your money that wont matter right? Just make sure you pay it off every month and it won't matter. Also the people are very polite and helpful. I lost my card shortly after getting it and when I called they got it canceled in a matter of minutes, and had a new one to me within a few weeks. Really took a load off my mind when they got it canceled so fast.
August 30, 2012 at 07:41pm
- Mary Beth Munoz:
I really like my Citi Simplicity Card. In the past I used a Wells Fargo card and while their rate was good I found that their customer service was not. With the Citi card there is no annual fee and a competitive rate. There was one time that I unknowingly went over my card limit. This had never happened before so I called Citi to talk to them about it. I was so pleased with their great customer service. They refunded the fee for going over the limit and they even increased my limit so it wouldn't happen again. I would recommend this card to anyone looking for a great card from a great company.
August 30, 2012 at 05:47pm
- James Jones:
Zero APR on Purchase, application fee, fraud liability, no delays in credit reporting and identity theft protection all sound like great advertisements right? But this is what you can get through this card. Application procedure is extremely simple with every detail explained by the customer service. I had no experience of the credit cards, but once I put all pros and cons of miscellaneous cards, this proved to be the suitable choice for people like me with low credit. One better thing about this card is that there is no annual fee. Many credit cards with rewards features have hidden fees and annual fees that they don't tell you about upfront; however, that is not the case with this card. It’s incredibly easy to access the account online. All in all, a recommended package.
August 30, 2012 at 01:17pm
- Ja Dasf:
I really enjoy the Citi Simplicity Card. I have had a very good experience with it as of now. I have had the card for a couple months now and this might be the best card I have used. I received the offer of 0% interest for 18 months and I had to jump on board with the card. They even give you a no annual fee. I would definitely recommend this card to anyone with good credit who is in college the 0% interest for 18 moths could really help out someone like myself. All in all this is a good card and it definitely gets the seal of approval with me.
August 29, 2012 at 08:23pm
- Jereme Taylor:
I applied for this card not too long after I graduated from college. The application process was quick and painless, and the 0% APR for the first eighteen months was a godsend. When I applied, I had no plans to actively use the card. Although I somewhat regret it now, I practically lived off this card for a while after I moved across the country and spent six months looking for a job. I never had any issues with this card or Citi, and the one time I had a fraudulent charge, Citi brought it to my attention and sent me a new card within the week.
August 22, 2012 at 04:47pm
We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Certain offers originate from paying advertisers, and this will be noted on a card’s details page, when applicable.
Before applying for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Citi Simplicity® Card shown on this page.
The card information shown on this page was last updated: May 2nd, 2013 at 11:37 EDT
The online credit card
application for this card uses
Secure SSL Technology