Citi Simplicity® Card

citi simplicity Sponsored Card
Required Credit Score:
Excellent
4 850 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% - 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 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.
Apply Now
at Citibank’s
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Citi Simplicity® Card Reviews

 
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4.0
Overall Rating: 4.0 / 5
Total Ratings: 850
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Feb 10, 2015
Photo of Burhan K.
4
By:
Feb 10, 2015
This is probably the best credit card here with no fee and less interest rate.
Feb 5, 2015
Photo of Debbie M.
4
By:
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
Jan 27, 2015
Photo of Erin T.
4
By:
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
Jan 19, 2015
Photo of William M.
4
By:
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
Jan 19, 2015
Photo of Zach V.
3
By:
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.
Dec 29, 2014
Photo of Paul H.
2
By:
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.
Dec 24, 2014
Photo of John C.
4
By:
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.
Dec 16, 2014
Photo of Jake P.
4
By:
Dec 16, 2014
Low interest, good incentives, no fees, great card you can't do much better.
Nov 24, 2014
Photo of Alexandria N.
5
By:
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!
Nov 18, 2014
Photo of Ryan H.
4
By:
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.
Nov 17, 2014
Photo of Donald P.
3
By:
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
Oct 24, 2014
Photo of Keith C.
4
By:
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.
Oct 23, 2014
Photo of Joseph S.
5
By:
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
Oct 11, 2014
Photo of Ashwin I.
2
By:
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
Oct 3, 2014
Photo of Nicolette B.
4
By:
Oct 3, 2014
This card looks great for the no penalty fees ever! I'm always worried about missing my payment and receiving a penalty. No rewards is kind of a disappointment as lots of other cards out there offer some kind of reward, however minor. 0% APR for 18 months is nice, but other companies offer similar as well. It looks tricky about how much you interest you get charged after the 18 months but use it to pay off another card that has a higher APR and you're saving money!
Sep 24, 2014
Photo of Brian A.
4
By:
Sep 24, 2014
I have been very happy with this card. I was really happy with the 0% interest rate for 18 months and then only 12.99% there after
Sep 10, 2014
Photo of Dani A.
5
By:
Sep 10, 2014
The Citi Simplicity Card, fittingly, made it simple for me to transfer over my balance from my Discover card. I wasn't happy with the APR on my Discover and the Citi Simplicity card didn't charge me any fees or APR for the first 18 months on my transferred balance. I was able to pay off another card easily and without ever worrying about late fees!
Aug 15, 2014
Photo of Billy H.
5
By:
Aug 15, 2014
The Citi Simplicity Card is definitely true to its name. I got the Citi Simplicity card when I needed a card with no annual fees, which is just one of the wonderful features of this streamlined credit card. The other main selling point for me was zero interest for 18 months. This feature makes it an ideal card for transferring balances and paying them down over the course of 18 months. The low-interest rates, mine is a 12.99%, are a really great deal as well.
Jul 21, 2014
Photo of Ed V.
4
By:
Jul 21, 2014
I like that this card has no late fees. Other than that, it is a standard card.
Jul 7, 2014
Photo of Jimmy L.
4
By:
Jul 7, 2014
It's a good card. nothing really makes it stick out but it will get the job done. I don't use it much but I have no stigmas against it.
Jun 9, 2014
Photo of Phuong-Dung T.
1
By:
Jun 9, 2014
don't appy this card because I have it for a year but they tried to lie and take money from me. I tried to call them 10 times to talk with them about pay off but they asked me SS number I gave to them they said not right and told me to call back. And I called back and they said the same things. It is horrible company
May 28, 2014
Photo of James J.
4
By:
May 28, 2014
I signed up for my Citi Simplicity Card to take advantage of 0% APR on balance transfers. It was great I was able to payoff another credit card and then pay no interest on my Citicard. Now I use my Citicard for new purchases. There are a lot of great benefits such as no late fees, great rewards, and a competitive APR after the initial 0% APR for 18 months. Its a good card with pretty good customer service. I pay all my bills online and get paperless billing in my email.
May 28, 2014
Photo of Nancy L.
5
By:
May 28, 2014
I like how the Citi Simplicity Card has no late fees or penalty rates or annual fees. The way I would like to use this card is to transfer my higher interest rate balances to help pay off my credit debt.
May 16, 2014
Photo of Aaron V.
5
By:
May 16, 2014
I like how this card will allow cash transfers and there are no late fees. Sometimes we can run into monetary issues and Citi will work with you to make your life easier.
May 8, 2014
Photo of Yah N.
4
By:
May 8, 2014
This is my third credit card and I have to say I am pleased with how easy they make it to stay on top of your payments without incurring late fees or ridiculous amounts of interest. The statements are very easy to read, which was an issue for me with my previous two credit cards. Also, I called in to customer service when I noticed an unauthorized charge and they fixed it immediately with no hassle. I would definitely say this is one of the better credit cards out there right now.
May 7, 2014
Photo of Penny T.
5
By:
May 7, 2014
The fact that there is no late fees, annual fees or a penalty fee, on top of the fact that is it a 0% intro APR on balance transfers and new purchases for 18 months, makes the CITI SIMPLICITY extremely appealing. I have also dealt with CITI for many years and they have always been a good company as far as I am concerned. The only downside to this card is the fact that there are no reward incentives, but I think the pros outweigh the cons.
Apr 30, 2014
Photo of Erin T.
4
By:
Apr 30, 2014
The fact that the citi simplicity card has an intro rate of 0% APR makes me really love this card. There are many fewer fees than other similar cards and that is a huge plus. The only downside to this card is the lack of rewards.
Apr 25, 2014
Photo of Mandi C.
5
By:
Apr 25, 2014
The Citi Simplicity card feels like it was made just for me! Being only 22 and having a family of my own, times can be tough! With this card, and the lack of fees, it makes my life just that much simpler. It doesn't offer rewards, but so what! It surely makes up for it!
Apr 9, 2014
Photo of Anthony D.
4
By:
Apr 9, 2014
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:
Apr 3, 2014
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:
Apr 1, 2014
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:
Mar 11, 2014
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:
Feb 14, 2014
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:
Jan 12, 2014
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:
Dec 26, 2013
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:
Dec 13, 2013
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:
Oct 30, 2013
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:
Oct 25, 2013
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:
Oct 2, 2013
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:
Oct 2, 2013
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, more
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May 3, 2014
Photo of Susan K.
By:
May 3, 2014
How do I get a pin#?
May 5, 2014
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.
Feb 13, 2013
Photo of Andres V.
By:
Feb 13, 2013
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:
Jan 16, 2012
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.
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.
Editor's Pick

Citi Simplicity® Card is an Editor's Pick for:

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Last updated on: Feb 19th, 2015 at 4:15 EST