Overall card rating

2.8
285 Reviews
from Credit Karma members

Most helpful positive review

Apr 04, 2022
Great for balance transfers
Credit Karma Member

If you’re trying to pay off credit card debt, then this card is the best card for you. If you want a rewards card, do NOT get this card. Not only is the intro balance transfer offer for 21 months, each month, you get another 0% balance transfer offer for 10 months on any available balance you have. I have 4 cards with balances, and I have been able to slice the balances in half just by transferring exactly what I can pay off comfortably in 10 months each time. There are absolutely no other benefits outside of the balance transfer offers.

Helpful171
Not Helpful14
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Most helpful negative review

Jul 12, 2021
I never used the card.
Credit Karma Member

Was approved for 4,100.00 I need a 4, 400.00 to cover the bill I wanted to transfer. They would not increase my limit. My score is over 800. What a mess.

Helpful144
Not Helpful58
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Member ratings

Application process
Customer service

All member reviews (285)

66
27
21
21
150

Mar 22, 2023
Outstanding chance of approval - yeah right!
Credit Karma Member

I was looking for a good balance transfer card and Credit Karma showed I had an "outstanding" chance of approval for this Citi Simplicity Card. I have an almost 700 credit score. I was denied and now have reduced my credit score. Thanks a lot!

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Mar 15, 2023
Don’t apply even if they mail you a Pre-Approval!!
Credit Karma Member

Got a Pre-Approval letter in the mail. Got a decline and an inquiry on my credit now. Definitely will never have anything to do with them in the future.

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Mar 09, 2023
Useless
Credit Karma Member

I applied for this card and got a nice credit limit and now every 2 or 3 months they are decreasing the credit limit without any warning. They just do it. What's the purpose of giving the high credit limit.

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Feb 26, 2023
Wish I read the reviews first
Credit Karma Member

Wish I read the other reviews first. My credit score is at least 760 and got turned down. No late payments, most of my cards have 15k to 20k limits and they turned me down for not enough information. I was not contacted and asked for anymore information either. Credit Karma listed this as an excellent chance of approval or they would pay me $50.00 if declined. Of course now I can't find where I read that at. Starting to have doubts about Credit Karma being all that it's promoted to be.

Helpful39
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Feb 22, 2023
Very dishonest company
Credit Karma Member

I had made my payments on time every month and starting in November Citi started charging me a large late fee despite payments being made on time every month. Authorities have been notified and these illegal late fees are not being paid. Use a credit union instead of these corporate thieves.

Helpful12
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Feb 20, 2023
$3000. on the credit limit with a 780 score
Credit Karma Member

They gave me $3000 dollar credit card limit with a 780 score. What a joke!! All my cards have $10k-30k limits. I want to use the 0% for 21 months to pay down my debt which is not a lot but it was more than $3k. Not worth it!! What a waste of time!!

Helpful16
Not Helpful2
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Feb 19, 2023
Don’t do it!
Credit Karma Member

If you're looking for a balance transfer card, reconsider another option. Depending on the balance transfer requirement, Simplicity approves very low credit limit despite having 800+ credit rating. I am canceling the card.

Helpful17
Not Helpful1
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Feb 01, 2023
You will more than likely not get approved!
Credit Karma Member

You will most likely not get approved! My chances were excellent according to credit karma and was rejected. Click bait if you ask me. Read the other negative reviews if you don't believe me.

Helpful40
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Jan 25, 2023
Absolute waste of time and credit hit
Credit Karma Member

I have a 779 credit score with 8% usage and they gave me a $500 credit limit. I have 4 or 5 cards with 10k limits. I was just going to do a balance transfer short term but this is a joke. Credit Karma should be ashamed for using this company.

Helpful91
Not Helpful1
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Jan 21, 2023
PURE GARBAGE
Credit Karma Member

I was approved for a limit of 10,000, within 4 months of opening the card, they reduced the limit to exactly what was on the card with NO warning at all. It is useless and I wish I had never applied for it and credit karma, stop recommending junk.

Helpful78
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