Citi Simplicity® Card

Apply by phone: 1-888-245-9658
  • 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 14.24% - 24.24% 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.
Annual Fee:
Purchase Intro APR:
(21 Months*)
Purchase Regular APR:
14.24% - 24.24%*
Balance Transfer Intro APR:
(21 Months*)
Balance Transfer Regular APR:
14.24% - 24.24%*

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 14.24% - 24.24%* Variable
Cash Advance Fee 5%, Min: $10
Late Fee N/A
Penalty APR N/A
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee 3%
Return Payment Fee Up to $35

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
by Anonymous
Helpful to 84 out of 93

I received my card last month, my scores range from 685-705. have 3 other cards with limits from $1k-8k. total debt is about $1,200 or so which will be paid off by next month. got instantly approved with $9k limit and a $13.9% rate. i ruined my credit in the my late teenage years into my early 20's but ive managed to improve it drastically. This is not a rewards card but its not what i was looking for. So far so good. 

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
by cjred685
Helpful to 222 out of 244

I have been a card holder for well over 20 years with no problems (but then again I didnt need anything from them).  When I was in the process of getting divorced,  this company slashed my credit limit (when I needed it most to help pay my lawyer and other living expenses while I tried to get back on my feet) - mind you I have always made sure this bill was paid ON TIME. When I called to try and plead my case they turned a deaf ear and wanted nothing to do with me.  So much for consumer loyalty.  They will offer you credit when you don't need it but will screw you when you need the help!!  

Our Take

The well-named Citi Simplicity® Card is a nice fit for consumers with excellent credit who want a simple card that won’t drown them in fees.

Why We Like It

This card has no annual fee, no late fees and no penalty APR. Citi Simplicity® also includes a 0% intro APR on balance transfers and purchases for 21 months.

Look Out For

Citi Simplicity® has no late fees ever, but a higher regular interest rate will kick in after the 21 month introductory period. Once that interest rate is in effect, failing to pay in full and on time could still put a dent in your wallet. The card also includes a 3% foreign transaction fee and a 3% or $5 (whichever is greater) balance transfer fee.

Similar Offers

† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from September 2016 through February 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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