Citi Simplicity® Card

41 Reviews

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Citi Simplicity® Card

41 Reviews

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 14.49% - 24.49% 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:

$0*

Purchase Intro APR:

0%*

(21 Months*)

Purchase Regular APR:

14.49% - 24.49%*

Variable

Balance Transfer Intro APR:

0%*

(21 Months*)

Balance Transfer Regular APR:

14.49% - 24.49%*

Variable

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	14.49% - 24.49%* 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

Approved

by Anonymous

Helpful to 13 out of 13

i had 8 hard inquiries falling off this month. needed more accounts to boost credit score so I applied to multiple in the last two weeks. figured I would be ahead of the inquiry game anyway. 680 eq 701 tr 698 exp

amex ex approved 12k

discover IT approved 7500

chase slate approved 5k

citi simplicity approved 1k

I am gratefull to just be approved by all. After 3 years of hard work building my credit back from the dumpster Im looking forward to being in the upper 7's lower 8's again. A specific shout out to Cap One, who approved me years ago when everyone else was sending thier " Decisions in the mail".

Most Helpful Negative Review

Good features, bad user experience

by mgaalaas

Helpful to 59 out of 60

I recently applied for this card to take advantage of the 21 months 0% interest on new purchases and balance transfers. Got the card in the mail, went to activate it online and thought I completed it. Went to verify some details of the terms before using it for the first time today and logged into the website. Website tells me my registration was not complete, so I finish it online by providing my information. Website tells me great, activation complete, you can use your card immediately. Went out shopping for some new shirts for work as I needed a minor wardrobe refresh, and for the first time EVER in my life I'm the awkward guy at the counter whose card is declined. After it was declined I put it on the card I'm going to transfer balances on. After reading some of the reviews about them refusing balance transfers after that's how the card is marketed (CK pushed it as the best card for balance transfers), that thought has me wary. When I called customer service, I got a script reading foreign call center who was very awkward. After providing all of my personal information and saying the verification was complete and the card was ready for use she asked "And you are the person who signed up for this card online?" Who else would I be if I just provided all information for the account? Even if I wasn't, would a legit ID thief be like "Oh, you got me!"

TLDR= Activated card on website it said ready to use, used card and it was rejected. Customer service was terrible when calling in about the problem.

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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.

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Unlimited 1% cash back on all other purchases – it's automatic
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† 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 December 2016 through May 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.

Advertiser Disclosure: The offers that appear on this site are from third party advertisers from which Credit Karma receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). It is this compensation that enables Credit Karma to provide you with services like free access to your credit scores and free monitoring of your credit and financial accounts at no charge. Credit Karma strives to provide a wide array of offers for our members, but our offers do not represent all financial services companies or products.

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