Citi Simplicity® Card – No Late Fees Ever

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Citi Simplicity® Card – No Late Fees Ever’s Rewards

This card does not offer rewards.

Citi Simplicity® Card – No Late Fees Ever’s Key APRs & Fees

Purchase Intro APR
0% for 21 months
Transfer Intro APR
0% for 21 months
Regular APR
13.24% - 23.24% (V)
  • ANNUAL FEE $0*
    3% (min $5)

Citi Simplicity® Card – No Late Fees Ever’s Additional Info

  • MAX LATE FEE   None
  • GRACE PERIOD   23 days
    13.24% - 23.24% (V)
    5% (min $10)
  • SMART CHIP   Yes, chip-and-signature
  • The ONLY card with No Late Fees, No Penalty Rate and No Annual Fee…EVER
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”.
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.
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 – No Late Fees Ever to our community.

Can you tell me an approximate credit limit a person can expect from this card when he has a credit score of 700?

Photo of Card H.
Oct 11, 2015
That is a difficult question to answer and one that customer service won’t give you much information about. The credit line that you will receive if approved will be based on your credit history and disposable income, and the card’s terms and conditions state that limits as low as $500 are possible. With that being said, we’ve seen reports of people with similar credit scores receiving credit lines of anywhere from $4,000 to $10,000. Hope that helps!
17 Votes 24 7

Does the 21 month 0% interest begin when I receive the card or when I make a purchase?

Photo of Card H.
Dec 1, 2015
Great question! The clock starts on the day of account opening, which is typically the day your application is approved. Citi should be able to tell you the exact date ( 866-696-5673 ) , but try to avoid taking your balance down to the wire. Using a credit card calculator ( ) will help you plan the necessary payments. Good luck and be sure to let us know if you have any more questions!
15 Votes 23 8

How do I get a PIN number?

Photo of Card H.
Feb 3, 2016
You can get your PIN number by calling customer service at 1-800-950-5114. They will assist you with your inquiry. Hope this helps.
13 Votes 13
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Customer Reviews

Share your insights and review the Citi Simplicity® Card – No Late Fees Ever.

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3.8 out of 5

1,495 reviews
Photo of Card H.
Dec 14, 2015
Citi Simplicity is one of the absolute best credit cards for financing, offering 0% on new purchases for 21 months and not charging an annual fee. Applying for this card in advance of a big-ticket purchase that will take months to pay down could therefore save you a boatload in interest charges – if you have the requisite excellent credit, of course.

Let’s say you’re planning a $10,000 purchase, and you’re current credit card has a 12.77% regular APR. Assuming that you make no other purchases, you would need to pay $534 per month in order to be debt-free in 21 months, and you would incur $1,218 in interest. You would more
Photo of Craig H.
Jul 25, 2016
They have no phone number just to talk to a customer service rep. They want to know my social security number and other personal information with a computer voice and then when they get all this information the phone goes dead. I'm not impressed and a little scared now.
Photo of Bill M.
Jun 7, 2016
Great card as long as you never have any disputes. Had a dispute and they kept closing it stating they never received my notification or details. I had faxed and emails which confirmed delivery and they still refused to intervene. After over six months, it was impossible to dispute this charge with the merchant.

Bottom line - there are other cards that will support you so go with them!
Photo of Kim F.
May 2, 2016
Worst customer service ever. Called to apply and transfer 2 balances from other cards once I was approved. The girl added $1000 to my balance transfer. When I questioned her, she said it's done and she cannot change the amount. On the phone for one hour and a half with multiple people. No one would help me, change the amount of balance transfer, or even let me cancel the entire transaction due to my disgust.
My questions were left unanswered and they told me to call back another day or wait until I received my card.
Is there anyone I can report this Horrible customer service to? I have good more
Photo of Rex A.
Jun 1, 2016
Did you get this problem resolved?
Photo of Ed-ita P.
Mar 10, 2016
I have a credit card rating of 830 plus.I always pay my cards in full each month. CITI website is full of inconsistencies with misleading statements. I aplied for an autopay more than 2 weeks in advance to pay for a a bill that was due. The autopay ignored it thereby charging me a $40 interest on the due date. It again charged me an interest of $37 after the next billing cycle even when the autopay has kicked in and paid in full. The account manager said that it takes more than a month for the autopay to set in. Unsusual!!! Other credit card companies require a miimum of more
Photo of Sandooch
Feb 22, 2016
I decided to apply for the Citi Simplicity card because, at that time at least, I was give 0% interest for 16 months for balance transfers. Since transferred $4,500 from another card that was charging me over 25% interest at the time, so this was saving me a lot of money each month. The only thing I would improve is if they gave me even longer with the 0% interest, which I see is now at 21 months. But I would definitely recommend this card to others looking to pay off their high-interest credit cards faster. You just have to keep in mind that if you don't pay if off more
Photo of Tommy B.
Feb 20, 2016
I originally got this card back when i started my games resale business and needed and extra influx of buying power to secure some bulk deals for resale. I ran into issues a few months after getting it as it seems to dislike mobile phone card readers and some websites deney it outright as it's not seen as a valid card by them(no idea what that's about).
Photo of James J.
Jan 8, 2016
I just applied for this card and the application process was very quick and easy online. I was approved for $7,000 dollars. The option to transfer my balance on one of my bank credit cards with 21 months of no interest is a blessing. I am currently paying $35.00 dollars in interests fees a month that could be going towards the balance. Very pleased indeed.
Photo of John V.
Dec 1, 2015
Pretty bad Card and customer service. I WILL NOT RECOMMEND this card at all. Beware of Citi, I am planning to cancel this credit card and I will cancel my other card as soon as I am done paying off
Photo of Willaim F.
Nov 25, 2015
I gotta admit, when I first got this card I ran out to best buy just to try out the "chip" that they've put inside of the card. It's the first credit card that i've had that's got a chip inside of it. After the novelty wears off, I realized that I still have a very decent credit card. The 0% intro APR and No Late Fees Ever has been a true blessing. Still waiting to see what will happen after the 21st month, I will try and update on here to let you guys know. But so far, this card is my favorite to pull out of my wallet. more
Photo of Shelley B.
Nov 23, 2015
This credit card company, like all credit card companies waits for you to be late on a payment and then punishes you severely by jacking up the rate. I was late on ONE of my payments and I had a very good reason for it.
Photo of Daniel G.
Jan 28, 2016
They claim there is no penalty APR..
Photo of Justin S.
Nov 13, 2015
This card is great as long as you are not late on your payments. The introductory 0% APR on purchases for the 1st 21 months is awesome as long as you maintain it. However, what my APR becomes after the introductory period being anywhere from 12 to 23% APR means I may only be using this card for the first 21 months.
Photo of Johnny M.
Sep 14, 2015
I chose this card because of its 21 month zero interest on transfers, Also because of no annual fee, no late fee or penalty rate. Approval was quick and easy. What I do not like is the variable interest rate after the 21 months but is is still more reasonable than many other cards.
Photo of Sheila S.
Sep 8, 2015
The Citi Simplicity card is great if you are trying to pay down some debt. You can get over a year and half with zero percent interest. That is amazing if you have debt sitting on 6% or more. I would just try not to transfer more than you can handle since it then goes up to 12.99% or higher. Otherwise, the card seems a little weak because of the lack of rewards for additional spending. Of course, if you are trying to get out of debt, you may not be purchasing anything on it anyway.
Photo of Jeff V.
Sep 7, 2015
What attracted me to this card is the almost two years of no interest. Combined with the lack of late fees and low transfer fee it makes a great option for paying off any accumulated debt while keeping it on one card.

The lack of rewards program is too bad but it definitely makes up for it.
Photo of Ryan W.
Jun 18, 2015
This is an awesome credit card. No annual fee is a wonderful treat to someone who takes care of his credit and financial needs. It is among many of the other great benefits provided by Citi Simplicity. The low interest is a fantastic thing and allows me to use the credit card in a responsible manner.
Photo of Desmond S.
Jun 1, 2015
In my opinion, The Citi Simplicity credit card has the stability and usefulness of the best card I have used. The low interest rate is one of the most favorable aspects but no fees and penalties is just as awesome! I have been a customer for the last 5 years and they have competent customer service which makes any card hard to compete with on this comparison.
Photo of Ashlea M.
May 26, 2015
I like that this offers No late fees, penalty rate, annual fee - EVER. Cash advance APR is a bit high compared to my capitol one card and the variable APR is also a bit high. This card however offers no rewards where as both my discover and capitol one do. These days they all have to offer rewards or very low APRs to be competitive.
Photo of Tanner M.
May 14, 2015
I really have fallen in love with my Citi Simplicity card. This has been one of the best cards that iv'e found to use, with very low amounts of fees and charges. There is no annual fee, as well as no late fees. The customer service is also excellent, which also plays a huge factor for me determining on where I want to get a card from.
Photo of Sherese S.
May 5, 2015
Citi Simplicity® Card
The Citi Simplicity® Card is simplicity at its best. For the first 21 months, Citi offers you 0% APR! Some other incredible features of this truly simple card are 0 late fees, 0 penalty fees, and 0 Annual fees, and a small balance transfer fee!
With your Citi Simplicity® Card, Citi gives you Citi Price Rewind within 60 days on purchases that go on sale after you make them. Your card is made even more convenient with Citi's Apple Pay™ capability.
You don't have to worry about unauthorized charges and identity theft. Citi has you covered with zero liability for those fraudulent charges and will help you get your credit more
Photo of Mike B.
Apr 25, 2015
I needed a card for an unexpected, big-ticket purchase, and came across this one. With its no annual fee, no late fees, and a 0% APR for 21 months on purchases, and after reading the reviews to see if this was legit, I knew this was the card I was looking for.
Photo of Frank H.
Apr 21, 2015
The Citi Simplicity credit card might not be an exciting card like some of the reward cards out there (Capital One Rewards card for example) but it has the most solid foundation I've seen for a credit card. Not only do you have a low interest rate but no kinds of fees ever, late/penalty or otherwise. That's amazing! Combined with excellent customer service and a long window for 0% intro APR and you have a card that is hard to compete with on the basic level.

If you're looking for a solid, no-frills, low-interest card. This is the card for you.
Photo of Mitchell H.
Apr 21, 2015
I have been a member for several years. I like that it doesn't have a annual fee and a reasonable APR. It also offers extra security protection with a chip, provides an extra sense of security. The reward system could be a little better. I have the Chase Freedom Card that offers 5% cash back and I accumulate a lot more quickly. The website could also use a revamp, not the most user-friendly.
Photo of Juan H.
Apr 2, 2015
I haven't received my card yet but it seems like a great deal. Basically there aren't any late fees or penalty rates, and the interest rate is particularly low. This sounds like the perfect card for a struggling college student like myself. What college student isn't struggling anyways? Citi Simplicity is the perfect name for this card because they make things simple which is the way they are supposed to be. I wish there were rewards but honestly they're rewarding you enough.
Photo of Deloris L.
Mar 18, 2015
I do not currently use the Citi Simplicity Card but I am signing up for one. At first I thought, "What no rewards", but when I take into consideration that the interest rate is well below many other cards I've viewed and that there are never any late fees, penalty rates or annual fees that is reward enough for me. This card is a no brainer for anyone who wants to get the most value for their spending. It almost seems unreal. Oh yeah, and after I receive my card and use it a few months I will come back to share my experience which I know will be great. more
Photo of Jackie F.
Mar 3, 2015
This is one of the best credit card I have used. The Citibank Simplicity card has lived up to what it stands for, just simply amazing.and the interest rate is lower than others. The customer service is one of the best. Always helpful and friendly. I would recommend anyone who isn't sure which credit cards is right for them, give this one a try., you'll glad you did! There are other great rewards with this card. Apply today and you'll agree. I am a very happy customer..Thank you
Photo of Burhan K.
Feb 10, 2015
This is probably the best credit card here with no fee and less interest rate.
Photo of Debbie M.
Feb 5, 2015
Although I am thrilled in my circumstances to have any card this is one of the best credit cards I have ever used. My credit had been shot with the help of my now ex-husband. After two long years of re-building I finally was eligible to receive an unsecured card and chose the Citi Simplicity Card. I am always on time so I don't need to worry about a late fee but it is nice to know that if for some reason I was late there would be no outrageous fee to worry about. I love that there is no annual fee. The customer service is great and I have more
Photo of Erin T.
Jan 27, 2015
At first I really was concerned about getting this card. I didn't like that there are no rewards and I also read many other reviews from previous customers, and saw mixed results. However, after I got this card I was surprised that I was so pleased. The customer service is great, and as some other customers have stated, they don't slap you with a large penalty as long as you pay within a reasonable amount of time. I also really liked the no interest introduction and the no annual fee. Overall I have been pretty satisfied. Like I said though, I would love to get some rewards and that is more
Photo of Alex B.
Jan 19, 2015
I'm really surprised with this Citibank simplicity card. I've had Citibank before and dropped it because of the excessive fees, interest, and hard to get a hold of customer service. Well, Citibank must have noticed the drop in their customers and decided to do something about it. The card actually doesn't give you any penalty rate or late fee if you miss a payment (as long as you pay it within reason). It's not the best for balance transfers and the grace period is a little short at 23 days, BUT as far as their customer service and new stance on fees go, this is really a groundbreaking new idea more
Photo of Zach V.
Jan 19, 2015
The Citi Simplicity Card lives up to its name. I like that it has 0% interest rates ion purchase and transfers in the first 18 months. After the first 18 months, there are still fairly low user fees. I don’t like that the card has absolutely no rewards program because I feel like I am losing out on cash back if I were to use this card. However, the 24-customer service, no annual fee, no late fees, and 23 day grace period really do make the Citi Simplicity Card a good option if you want a card that is easy to use.
Photo of Paul H.
Dec 29, 2014
The thing says no annual fee with an asterisk next to it. I have to be sure about that and the site doesn't list the conditions I would have to opt out of the city simplicity card.
Photo of John C.
Dec 24, 2014
Simplicity is aptly named named, it's quite easy to use, no fees, and represents why people like to use MasterCard. It's the best credit card I've used.
Photo of Jake P.
Dec 16, 2014
Low interest, good incentives, no fees, great card you can't do much better.
Photo of Alexandria N.
Nov 24, 2014
This is my favorite card. I love it because I paid no interest rate for the first eighteen months and after that my rate was still relatively low. Also there are minimal fees and no annual fee!
Photo of Ryan H.
Nov 18, 2014
The City Simplicity Card is an all around great card for anyone who is looking for an affordable why to spend money. You pay no interest for 18 months and the interest rate ranges for 12.99%-22.99%. Customer service is available 24 hours a day which helps when you have issues with purchases and card use at odd hours of the day. You also get a 23 day grace period, which is at the higher end of the spectrum when it comes to credit cards.
Photo of Donald P.
Nov 17, 2014
I signed up for the Citi Simplicity card due to the promo they were running that offered eighteen months no interest financing on both my purchases and my balance transfers. Citi seemed to have some issues offering me a card with a decent limit but after some back and forth with them I was able to push it to a higher more useful level. This allowed me to consolidate my outstanding credit card debt onto one credit card, and pay it off quickly. Also it allowed my credit score to increase since my credit utilization went down after paying off the outstanding debt.

The zero percent interest allowed to me more
Photo of Keith C.
Oct 24, 2014
The Citi Simplicity Card is great for keeping these simple and easy. No need to worry about fees and penalties and the introductory APR is great for transferring a balance and paying it off easily. There other cards that offer late payment forgiveness, but you only get a few chances for forgiveness, not unlimited. This is great value even with the lack of rewards. For other cards you usually pay more in fees than you get back in rewards. With low interest rates and no late fees, this is a great card to have.
Photo of Joseph S.
Oct 23, 2014
I just received my Citi Simplicity card a few weeks ago. This card is exactly as advertised, because it is very simple. I don't have to worry about a bunch of extra fees. I can use it anywhere, and I am a very happy customer. Out of all my credit cards this one is by far my favorite. Citibank has simply outdone itself with this credit card. I award the city simplicity card 5/5 stars overall. I would advise anyone to find a card that is more forgiving out there, and presents the user with lower fees. If you do find a better credit card, I would be extremely surprised. more
Photo of Ashwin I.
Oct 11, 2014
I have been using Citi Simplicity and Dividend credit cards for the last 10 years!! A few days back when I looked, I could get cashback above $20. And now I can't get anything below $50! I have $25 and $35 locked in 2 of my credit card accounts and can't get it. Pisses me off esp. because I thought I was smart to use Citi credit cards :(( I don't treat cashback as a reward but as money earned. There are several other credit cards I already have but don't use that offer equal or greater cashback without ___gimmicks___. I will switch to one of them and am writing more
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Last updated on: Jul 25th, 2016 at 4:02 EDT

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