Citi Simplicity® Card
- 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)
- SMART CHIP Yes, chip-and-signature
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be12.99% - 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.
Citi Simplicity® Card Reviews
The zero percent interest allowed to me to also buy a new TV that I need to replace an older one. This was the better card to use than a Best Buy credit card or any other store credit card, because of the warranty protection that Citi offered which allowed me to double the warranty that Samsung, offered on my TV at no extra cost. I save money do that as opposed to buying a protection plan or extended warranty from the store. Also it allowed me to get price protection at the same time which meant that if the TV went cheaper during the next sixty days I could get the difference. Best Buy only offers price protection for 14 days and that's with only certain retailers. Lastly Citi offered to cover the TV in the case of theft or damage for the first ninety days which my renters insurance would cover but at a deductible that might not make it worth it.
The downsides to the Citi Simplicity card is that it does seem difficult to get someone the phone that can actually do something for me. When I first applied for the card they only offered me a two thousand dollar credit limit. This seemed pretty useless to me since the capital one card I already have, has a much higher limit and it wouldn't allow me to transfer my balance. After about a week of conversations with the their customer service and reaching out to higher level customer service members, I was finally able to reach someone that could assist in raising my credit limit. It does seem like most of their customer service operations are located in India which does make it difficult to understand the person, I am talking to. The other major downside to this card I would say is the lack of a rewards program like most other credit cards offer. Bank of America offers me 1 percent on all my purchases and 2 percent on my gas and groceries which makes it the card I generally use for day to day purchases. Citi seems to be trying to hedge against rewards with their VIP program which offers exclusive concert ticket, sports tickets, and some VIP parties. This doesn't seem nearly as useful especially when you consider that you have to spend more money to use these features. At the end of the day this seems like a good card to use for large purchases but not for day to day use.… more
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Last updated on: Nov 24th, 2014 at 10:51 EST