Citi Simplicity® Card Reviews

Approval Odds

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2.8 out of 5 stars
44 Reviews

From Cardholders in the last year

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Application Process

3.5 out of 5 stars

Customer Service

2.5 out of 5 stars

3 5

Card Details

  • Balance Transfer Intro APR 0% for 21 Months
  • Balance Transfer Regular APR 14.99% - 24.99%* Variable
  • Annual Fee $0*
  • Purchase Intro APR 0% for 21 Months
  • Purchase Regular APR 14.99% - 24.99%* Variable

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 (then 14.99 to 24.99% variable APR).

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.


Most Helpful Positive Review

Jun 21, 2017
Can't beat 0% for 21 months
QueenDGC Cardholder

I have used this card to transfer balances, and it has helped me in consolidating and paying off my debt! I've never had any issues with the card, or customer service. 

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Most Helpful Negative Review

May 16, 2017
Good features, bad user experience
mgaalaas Cardholder

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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These reviews were written by current and former cardholders in the last year.

Sep 18, 2017
Breyapolo Cardholder

was approved for 10900 

with a 0% APR for 21mos cant wait to use it 

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Sep 11, 2017
Lousy!! Total waste of time!!
Star7143 Cardholder

Applied online, got immediately approved. Received my card & activated it immediately. First attempt using it - transaction was denied for "suspected fraudulent activity". Called, went through a tedious process to verify my identity & clear the flagged alert. Was told I'd be able to use the card now. 2nd attempt - same thing. Transaction denied for "suspected fraudulent activity". Called again. Went through the same tedious process of identifying my identity. Spoke with a supervisor & was told the alerts were happening due to "my spending patterns", which makes no sense because there is no pattern when I've not ever even been able to use this card! I have a zero balance & have tried to use this card twice & each time the transactions were denied for suspect fraud!! They had no explanation & couldn't even ensure that it won't happen again. Ridiculous!!! 

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Sep 09, 2017
Approved w/Pre-Qual
Ligre22 Cardholder

I received a pre-qual notice in the mail a few weeks back, and decided I needed a MasterCard to keep all my VISAs and Amex company in the wallet! :)  Seriously though, I figured it would be beneficial to me to own an extended period low interest card with decent balance transfer capability.  I only took this one instead of the Diamond Preferred because my interest rate for this one was about 2.5% lower after the 21 month 0% wears off.  Got approved for $5300, so this will also help me quite a bit in case I have a big expense this winter or something like that.  EX FICO - 705, TU Vantage - 733, EQ Vantage - 742.  Just got a salary hike at work, so that helps too.  Not certain why all the negative reviews about this card.  It seems simple, to the point and very efficient for those that use it (and their credit in general) wisely. :)

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Sep 03, 2017
One of my top favorite cards.
dstriblin Cardholder

All the negative reviews you are seeing is because they wait to long to do the balance transfer. I called them to apply and was immediately approved with a $5600 limit. I went ahead and started the balance transfer at the time of application. I see nothing negative as long as you read the directions and pay attention.

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1 Reply
Sep 12, 2017

How do you do the balance transfer?

Aug 24, 2017
Smallville302 Cardholder

Outsourced customer service that will give you dead end automated only phone numbers and they only read from scripts. It will usually take ypu sn hour of holding and waiting to be escalated before you actually can speak with someone who doesn't have a script. Don't believe it when they say your question, isdue or complsint is being addressed. They will give no case, inquiry or complaint number snd won't contact you when they say they will. They are very, very slow to react to financial changes, which depending on how your finances are going can maybe be a plus if you are on hard times or be agonizing if you are doing well.
At best Citi is a back up card.

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Aug 17, 2017
Waist of time
lpilki Cardholder

Applied was approved. Card came and I activated it. Tried to set up my account on line and was having problems. Called customer service and was told my card is blocked for potential fraud. I got run around on how to prove I was me with no,success. I wanted the 21 months zero interest and transfer and now I have a hit on my credit and a card I can't use. Been 2 months fighting with customer service with no luck. Won't tell me anything except that they will call me when they figure out how to prove I am me.

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Aug 09, 2017
Balance Transfer Card
Enermax32 Cardholder

Applied, Called for verification process, approved for $4k .... 740 Exp... 8% UTI....

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Aug 31, 2017

Did you ask for a specific credit limit? Or is the limit you get based on credit worthiness?

Jul 30, 2017
Low limit,21 month no interest just bait
Eddy033 Cardholder

Low limit makes this card basically useless. They bait you with the 21 month interest free, but then give you such a low limit you can't transfer any balance that's worth transferring. I was approved for $1,100 at the same time Amex approved me for $8,000. Listen to all the other negative comments. I don't think any of the positive reviews are real. Kind of like Amazon reviews.

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Jul 30, 2017

It's likely your income-to-debt ratio working against you. The pattern seems to be, lately anyway, that balance transfer/low interest cards are tending to focus more on numbers rather than records of reliability of the customer. A rewards card that is more focused on spending to meet a 90 day bonus period may be the way to go, IMO.

Jul 11, 2017
Very stingy card
Matingray Cardholder

Got approved instantly with a credit score about 720.  But they only give me 3K credit line, WHAT?? This is my lowest credit limit credit card, I was hoping to transfer some of my higher interest balances, and had expected 15K credit line or more.  Called to request for a credit line increase, but was turned down, reason: my income was not high enough. I have an annual income of 200K in 2016.

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Jul 11, 2017

Income to debt ratio is probably not working in your favor, I'd wager.

Jul 17, 2017

You are probably right. Since taking on a $40K business debt on my personal cards. Things start to go down hill from there.

Jul 28, 2017

Debt to income ratio is probably not being met.

Sep 05, 2017

And they say humans are the higher life form.

Jul 11, 2017
No rewards and low credit increase.
Anonymous Cardholder

Don't waste your time.

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Sample Size: 3,722
Data Created: February 02, 2015

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‡ Average score refers to the arithmetic mean and typical low score to the 5th 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 June 2014 through November 2014. 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.

Citi Simplicity® Card