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Citi Simplicity® Card

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Reviews (4)

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Sep 28, 2016

My Fico is 699, creditKarma recommended this card for my profile, I made the application an Citibank decline my request is ridiculus

"Thank you for applying for the Citi Simplicity Card.

After careful consideration, we are unable to approve your application.

You will receive written notification with the reasons for the decision.

Thank you for considering Citi."

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Aug 22, 2016
Anonymous Cardholder

Citi has the worst customer service I have ever experienced. Stay away from this company!

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Mar 25, 2015
Citi "Easy Deals" is a waste of time
bvitsenko Cardholder

one potential perk of this card is the apparent laid back state about lateness fees (none) and no penalty rate if you fall behind or such.

i didnt need this, so its of no use to me but i feel its warranted to be mentioned in a well rounded review. 

i've had various citi cards over the years, i cant complain about the customer care or the website (anymore), but this card in particular has a rip off of a "rewards" program. 

i accepted the invitation on a whim because i was looking for a new rewards program tied to my credit card purchases. 

unlike every other progranm out there, there is practically no ay to use it to claim something for free (at the cost of the points alone).

on a rare occasion ill get an email of getting magazines for those points, but as soon as i log in, the deal qty is ran out. 

the only thing else you can get is irrelevant "point discounts" on specific producst that you are likely not goign to be interested in getting anyway due to their obscurity or inferiority to other comparable products. insult to injury is that even the so called point discount are comparable to just shopping around online and getting it at the same price or even less.

everything i found even remotely interesting, i was able to find either a much better deal online (without justification to use the points), or plenty of scathing reviews to not want it in the first place. the whole program feels like a dumping ground of unmovable stuff that is attempted to be gotten rid of under the guise of a "deal". whatever points you accumilate are pretty much a waste. 

consider a Citi Dividend if youre interested in possible cash back, OR any other citi card with "ThankYou" that you can at least redeem on amazon. 

however most certainly stay away from any card offering "Easy Deals"

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Sep 25, 2014
recommended by CK, CS697, and denied

Will wait for the "reasons" behind the decline, but am disappointed, trying to rebuild my credit.

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Citi Simplicity® Card