Citi Simplicity® Card

Citi Simplicity® Card Sponsored Card
Required Credit Score: Excellent
4.5 603 reviews   Write a Review!
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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 18 months
Intro Rate on Transfers
0% for 18 months
Regular Rate
12.99% - 21.99% (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% - 21.99% (V)
  • CASH ADVANCE FEE 5% (min $10)
  • FOREIGN TRANSACTION
    FEE  
    3%
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be12.99% - 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.
Apply Now
at Citibank's
secure site

Citi Simplicity® Card Reviews

 
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Overall Rating: 4.4 / 5
Total Ratings: 603
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Apr 9, 2014
Photo of Anthony D.
4
By:
The initial 0% interest rate on the Citi Simplicity card is really nice. That along with no penalties or late/annual fees make this a really nice card to get if you can. Just remember to watch for after 18 months because your APR will be going up.
Apr 3, 2014
Photo of Sara V.
5
By:
My husband and I just transferred our credit card debt to Citi Simplicity. We had been getting offers what seemed like everyday, and finally looked at one. We set up a payment plan to have it all paid off before we would have to pay any interest. Even with the balance transfer fee, the deal is saving us over $1500 from the card we had. I think it is a great deal and has enabled us to take some major steps to cut down our debt and take control of our financial situation.
Apr 1, 2014
Photo of Michael M.
5
By:
This is just the kind of card I was searching for. The Citi Simplicity Card has a great 18 month interest free period compared to the usual 12 months or end of the calendar year offered by most cards. It's very helpful in managing my other credit card debt with the extended no interest or transfers period. No annual fee and only a 3% foreign transaction fee give me a lot of freedom in how I use and maintain it. Unfortunately it does not offer any rewards although I believe the terms more than make up for that down fall.
Mar 11, 2014
Photo of Cherise B.
5
By:
For the citi simplicity card I like that there are no late fees or penalty fees or over limit fees. That makes it easier to use and less to worry about.
Feb 14, 2014
Photo of Tim R.
5
By:
So there are no explicit rewards. Big deal. The card is awesome. With no annual, late, or penalty fees, this card provides a sense of insurance. As a person who has missed paying his credit card bill a few times, I can say that it is very nice that there are no late fees. More importantly, it has saved my credit rating. Another nice feature is that the foreign transaction fee is quite low as well. As a person who has family overseas and visits every year, having a low foreign transaction fee really adds up in savings. What is more, like the card name implies, it is simple to more
Jan 12, 2014
Photo of Jonathan F.
4
By:
It seems to be a great card, this one. The balance transfer rate is awesome for those who want to get rid of other cards and switch to this one. What seems a little confusing for me, though, is that you have to have excellent credit--who is going to transfer their balance from another card to this one if they have excellent credit? There's probably an answer to this, but as far as I can see, this card has plenty of positive aspects, the only one perhaps being that Mastercard is not as frequently accepted as Visa (which I currently have), and I travel to some pretty remote locations a more
Dec 26, 2013
Photo of Michael C.
5
By:
The Citi Simplicity Credit Card has excellent balance transfer offers of 0% for 18 months which is great if you're looking to pay off high interest credit card balances. I currently have the Citi Bank Dividend and they have similar balance transfer offers which I think are some of the best on the market right now. Furthermore, there are no late payment fees, over limit fees, or APR penalties with the Simplicity Card. There are no cash rewards with this card but that's okay because you're getting great APR's and balance transfers which will save more than any rewards program.
Dec 13, 2013
Photo of James C.
5
By:
I enjoy having this citi credit card because this credit card has 0% for 18 months and zero late fees which is really a great thing to have. It is also easy to make monthly payments on this card and I never had any issues with their website. Also their website is very easy to use which also helps a lot. Overall, I am happy to be using this credit card and I would recommend to others.
Oct 30, 2013
Photo of Joseph G.
4
By:
One among the best cards to have when you are not sure when you will be able to pay back the bills and yet maintain a decent credit rating. There is no reward points no cash back to augment the features of the card, but however, the card isn't designed for that and Citi has a lot of other cards which offer that. But however, its simply the best card to pay your bills and repay back as and when you get the money. You are not time bound. Now, isn't that great yet simple? Thats exactly what the Citi Simplicity is!
Oct 25, 2013
Photo of Matt M.
4
By:
I love my citi card. The company is awesome and has an incredible website. It make all the transactions super easy and pain free. I also really like all the notification options they have to make sure I know exactly what is going on. The one time my bank messed up and did not credit the account. They were very understanding and credited the late fee back to me. I also like the paperless options, it is very annoying when I am constantly getting two or three things in the mail each week. I will highly recommend this simplicity card to anyone and will be glad to get my next more
Oct 2, 2013
Photo of Jesse S.
4
By:
I love my Citi Simplicity Card. It is my favorite card out of all of them. It doesn't offer cash back or points or anything. It is just like the name says. It simple. No late fees! No penalty fees! No annual fees! No overdraft fees! What could be better when you sometimes forget to pay your bill. With a 0% APR for the first 18 months, what could be better. It does bump up to 12.99 APR but that is not that high for a credit card. I would recommend this card to anyone. The name says it all. Simplicity!
Oct 2, 2013
Photo of AviRose A.
5
By:
I absolutely love my Citi Simplicity Card. Unless someone has carried this card as I have, it is hard to judge just how well put together it is. This is the only credit card that I own. Every feature of it absolutely benefits me. I never feel like I have been "had" when I get my monthly statements. I love my 0% for 18 months and zero late fees. I feel that these 2 factors are what drew me to the card in the first place. Citi Bank does really well with how they create their credit cards for consumers, but they did exceptionally well with this one in particular, in my opinion.
Sep 20, 2013
Photo of Robert M.
5
By:
One of the best things about the Citi Simplicity Card is the fact that you pay NOTHING in interest on purchases made in the first 18 months. You will not find many cards that will be able to beat this. Add in the 0% interest rate on transfers and you have one of the best cards that are around right now. I tell all my friends about this card when they ask for my advice on credit cards. They have all loved it, as do I. I will continue using this card even after the intro period is over, as the interest rate is still one of the lowest around.
Sep 6, 2013
Photo of Kenneth W.
5
By:
The main reason I got the Citi Simplicity Mastercard was for the 0% APR for 18 months. This is a great feature and a huge help in not getting out of hand with money. There are also no late fees which adds even more to the value of the card. It seems that this is a foolproof card and the features seem almost too good to be true from a credit card company. Another great feature that there are no annual fees. Basically get this card if you can because the features for the card pretty much are the best deal around. It's a dream come true as far as more
Sep 6, 2013
Photo of Tiffany M.
4
By:
The Citi Simplicity Card looks like it has many great features. The first thing I noticed was that there is no annual fee. That's great for a credit card because there are many out there like the Southwest Credit Card that requires an annual fee of at least $69. No fee means you keep more money in your pocket. The 0% APR for 18 months is also a great thing. A lot of the times with credit cards it's the interest that really gets you in the end. I can't believe there are no late fees! It's hard to find a card anywhere that doesn't have late fees but that more
Sep 3, 2013
Photo of Binjy S.
4
By:
I kind of like what I'm reading about the Citi Simplicity credit card. There is no max APR penalty or late fee and you get 0% APR for the first 18 months of being a card member. On my Visa G rewards, the intro rate was 1.99% for the first 6 months. The regular rate on this card is 12.99-21.99% depending on your credit score. Not so bad if you can keep on the low end. On my Provident and G rewards cards, I sit roughly between 14-15 %. This card is intriguing to me. There are no rewards, however- at least none that are listed. This may be a more
Aug 28, 2013
Photo of Pat E.
4
By:
As far as credit cards go, the Citi Simplicity Card looks excellent. No late fees, penalty rates, annual fees, and a 0% intro APR that might not go over 13% depending on your credit score. But this all depends on your credit score, because you need a really good one to get the card. But if you can snag it, this card looks very promising. I don't have very much experience with cards of this caliber, so I would say it blows anything I've heard about out of the water. If you're looking for all the best features from a credit card without the setbacks, and you have a great more
Aug 21, 2013
Photo of Owen M.
5
By:
The Citi Simplicity Credit Card is as simple as it gets. It's great for someone with minimal but great credit. It's also especially great for someone who doesn't use credit all the time. If you just want to build credit by paying a bill or two a month with it, it's great. There's no interest for the first year and a half, and there's no hidden fees! That's awesome. Those yearly membership fees on other cards get really annoying. It's great that there's no late or penalty fee (just the expected increased APR%). This card is exactly what it states- Simplicity.
Aug 20, 2013
Photo of Alex B.
4
By:
As someone searching for my first credit card, I found the Citi Simplicity Card to be ideal for me. Having a credit card can be terrifying but the Citi Simplicity Card does what it’s intended to do: make things simple. The intro period allowed me to ease into the process of learning how to use a credit card, without charging interest. I wish the interested rate (mine being 18%) was lower but I feel that is competitive with other cards. The fact that there are no late fees or annual fees is great added bonus. I wish this card offered some sort of rewards program but otherwise I have no more
May 6, 2013
Photo of Kraig L.
4
By:
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 more
Apr 19, 2013
Photo of Richard S.
5
By:
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 more
Apr 8, 2013
Photo of Bong P.
5
By:
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 more
Apr 5, 2013
Photo of Paul R.
5
By:
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 more
Apr 5, 2013
Photo of Kathy F.
4
By:
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 more
Feb 15, 2013
Photo of Sam U.
1
By:
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-- more
Feb 15, 2013
Photo of Buford H.
4
By:
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 more
Jan 25, 2013
Photo of Rachel R.
4
By:
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 more
Jan 25, 2013
Photo of John J.
5
By:
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!
Jan 11, 2013
Photo of Luigi P.
4
By:
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 more
Jan 11, 2013
Photo of John J.
5
By:
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 more
Jan 3, 2013
Photo of Kristin F.
4
By:
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 more
Dec 26, 2012
Photo of Melody H.
5
By:
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 more
Nov 20, 2012
Photo of Nicolas B.
4
By:
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 more
Nov 20, 2012
Photo of Virdette O.
5
By:
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.
Nov 8, 2012
Photo of Pearline T.
5
By:
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 more
Oct 11, 2012
Photo of Sara A.
5
By:
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 more
Oct 11, 2012
Photo of Michael J.
5
By:
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.
Sep 27, 2012
Photo of Grover C.
5
By:
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 more
Sep 14, 2012
Photo of Shavon Y.
4
By:
I have had this credit card for a few years now, and I have no complaints about it whatsoever. I first got it when I was looking for balance transfer options. I found an initial term that was good for me. A year or two later, I received an offer to keep my balance at a steady rate for the life of the balance. Granted, I don’t like carrying this balance, but it seems that’s what a lot of us have to do these days, and I’m happy that Citi offered me this option. It was a great rate, too. Lower than I could have found elsewhere.
Sep 14, 2012
Photo of Alesha E.
4
By:
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 more
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Feb 13, 2013
Photo of Andres V.
By: 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.
Jan 16, 2012
Photo of Alex B.
By: Alex Bair
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 $800 or so a month for 21 months. Thing is our contractor doesn't take CC so would need the simplicity card to issue a check for payment? does that owrk?
Jan 16, 2012
Photo of Card H.
Card Hub
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.
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Last updated on: Apr 9th, 2014 at 3:20 EDT