Citi Simplicity® Card Reviews

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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

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.

Oct 25, 2017

I had about 2600 in debt for other cards. So naturally I found this one. I actually snagged it up when they had no late fees for life. Had no problem transferring all other balances to this card. Now my time is up Apr kicking in as well as transfer rates. Time to get a new card. Since I've owned this card they have increased my max to 3600. Never had an issue paying a bill either. Good luck

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Oct 06, 2017
Couldn't even get it activated
QueenGeek13 Cardholder

Tried to activated and wasn't able to do so via the app or the website.  Customer service was no help and I was sent to tech support who had no idea why my card wouldn't activate and why my online account couldn't be established.  It wasn't worth the $1800 initial CL, especially since DIscover just gave me an initial CL of $12k, so I just canceled. 

If the card was that much trouble in the first 15 minutes of  taking it out of my mailbox, it HAS to be a sign of what to expect.  

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Oct 02, 2017
Anonymous Cardholder

They are very slow to apply payments to free credit line.  Interest rate high.  Very slow to update payment history to credit reporting agencies.

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Sep 23, 2017
Approve for $10K and sent $ to Red Cross
SWEB Cardholder

It worked, no fraudulent declines, etc.

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1 Reply
Sep 27, 2017

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Sep 23, 2017
Low Available Credit!?!
SWEB Cardholder

I had a 790+ score at the time I applied for the Citi Double Cash Card, I got $9,999 of Available Credit.  Byt the time I applied for the Citi Simplicity, it had dropped to 788, they gave me a $500 Opening Balance.  WHAT THE HECK???  Coffee, Gas, dinner is what I'll use thss card while 0% lasts.  COME ON GUYS...BALANCE INCREASE!!! 

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Sep 23, 2017
Great for balance transfer.
Anonymous Cardholder

Very low credit limits.

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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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Sep 12, 2017

How do you do the balance transfer?

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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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Citi Simplicity® Card