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 for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% 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%*
(12 Months*)
Purchase Regular APR:
16.24% - 26.24%*
Variable
Balance Transfer Intro APR:
0%*
(21 Months*)
Balance Transfer Regular APR:
16.24% - 26.24%*
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 16.24% - 26.24%* Variable
Cash Advance Fee 5%, Min: $10
Late Fee None
Penalty APR N/A
Balance Transfer Fee 5%, Min: $5
Foreign Transaction Fee 3%
Return Payment Fee Up to $39

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
Anonymous
As advertised
by Anonymous
Helpful to 152 out of 159

When I applied for this card, it actually had a longer 0% rate on balance transfers and purchases.  I got the card for the sole reason of the balance transfer, I was immediatedly granted somewhere in the $2,000 credit range which was unfortunately not enough to cover all of the transfers that I wanted to make.  Before I even got the card, I was able to call them up and they bumped my limit up to $3,700 which was enough to cover what I needed.  All in all, this card did exactly what I needed it to do.

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
Anonymous
Horrendous Customer Service
by Anonymous
Helpful to 87 out of 93

CitiSimplicity Customer Service is the worst I have encountered. They provide circular - useless answers, put your card on hold even you took the time to tell them where and what you were going to buy and how much you were going to spend on valid accounts in good standing. They pretend to be helpful but use incorrect information to verify the account as if they are looking at some other made up account. My account is just a few months old but I have no intention of putting it to use now that I have had such a bad experience and my situation is still not resolved and my card is still not available to me despite my efforts AND LOOKOUT the foreign language speaking operators ask you to give them at least two complete Credit Cards from other major banks in order to verify your account "another way" then tell you that they still cannot verify the account. NOW I HAVE TO WATCH NOT ONLY WHAT IS GOING ON WITH CITISIMPLICITY BUT ALSO THE ACCOUNTS THAT WERE SO-CALLED USED FOR VERIFICATION THAT DID NOT TAKE PLACE. 


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‡ 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 July 2018 through December 2018. 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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