I received my card last month, my scores range from 685-705. have 3 other cards with limits from $1k-8k. total debt is about $1,200 or so which will be paid off by next month. got instantly approved with $9k limit and a $13.9% rate. i ruined my credit in the my late teenage years into my early 20's but ive managed to improve it drastically. This is not a rewards card but its not what i was looking for. So far so good.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0% for 21 Months
- Balance Transfer Regular APR 14.24% - 24.24%* Variable
- Annual Fee $0
- Purchase Intro APR 0% for 21 Months
- Purchase Regular APR 14.24% - 24.24%* Variable
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.
Most Helpful Positive Review
Most Helpful Negative Review
I have been a card holder for well over 20 years with no problems (but then again I didnt need anything from them). When I was in the process of getting divorced, this company slashed my credit limit (when I needed it most to help pay my lawyer and other living expenses while I tried to get back on my feet) - mind you I have always made sure this bill was paid ON TIME. When I called to try and plead my case they turned a deaf ear and wanted nothing to do with me. So much for consumer loyalty. They will offer you credit when you don't need it but will screw you when you need the help!!
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Sample Size: 3,722
Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
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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.