Citi Simplicity® Card

Required Credit Score:
Excellent
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Citi Simplicity® Card’s Rewards

This card does not offer rewards.

Citi Simplicity® Card’s Key APRs & Fees

Intro Rate on Purchases
0% for 21 months
Intro Rate on Transfers
0% for 21 months
Regular Rate
12.99% - 22.99% (V)
  • ANNUAL FEE $0*
  • BALANCE TRANSFER
    FEE
    3% (min $5)

Citi Simplicity® Card’s Additional Info

  • MAX LATE FEE   None
  • MAX OVERLIMIT
    FEE  
    None
  • MAX PENALTY APR   None
  • GRACE PERIOD   23 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE
    RATE
    12.99% - 22.99% (V)
  • CASH ADVANCE
    FEE
    5% (min $10)
  • FOREIGN
    TRANSACTION FEE  
    3%
  • SMART CHIP   Yes, chip-and-signature
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 12.99% - 22.99% 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.
Apply Now
at Citibank’s
secure site

Customer Questions and Answers

Don't see what you're looking for? Submit your question about Citi Simplicity® Card to our community.

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.
Reply

1 Votes 1

How do I get a pin#?
Reply

Photo of Card H.
May 5, 2014
Your best bet is to call customer service at 1-800-950-5114. Most probably they will have the answer to your query.
0 Votes

Is this card able to issue a check for a purchase? I want to finish my basement and don't want to pay 6% interest for a loan so was wanting to get this and put $15,000 on it, pay off more
Reply

Photo of Card H.
Jan 16, 2012
Unfortunately the Simplicity Credit Card will not offer 0% if you ask them to issue a check since that will most likely be considered a cash advance. You might want to look into sending the money to your contractor through Paypal (which accepts credit cards) and then working out an arrangement where you split with your contractor the 2.9% fee that Paypal will charge.
0 Votes

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Last updated on: Apr 1st, 2015 at 10:36 EDT

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