Citi Simplicity® Card Reviews

Citi Simplicity® Card Reviews
Approval Odds

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3.2 out of 5 stars
29 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 16.24% - 26.24% Variable
  • Annual Fee $0
  • Purchase Intro APR 0% for 12 Months
  • Purchase Regular APR 16.24% - 26.24% Variable

Most Helpful Positive Review

Apr 06, 2019
Good for Long-term Balance Transfers
Viper2Zero Cardholder

I applied for the Citi Simplicity card on Nov 5, 2018 - CK Scores TU - 738, EQ - 746.  They pulled my Equifax report.  Stated income was $78k, and I had $29k of personal cards at that time with about 12% utilization.  Approved for $6,600.  Wanted to do balance transfer but had nothing that needed transfering for a few months.  By the time I got around to needing to do the transfer, the program had ended.  There's a time limit for how long you can do balance transfers, which I was made aware of but forgot about.  My one experience with Customer Service was satisfactory.  I've used the card for some small purchases to take advantage of that interest free period.

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Most Helpful Negative Review

Jun 22, 2019
Penalties for paying off
Dalyn18 Cardholder

Citibank has a practice of reducing your credit line if you make large payments. The only other bank I see do this on occasion is Discover. If your intention is to pay down debt this card isn't for you. The reduced credit will impact your score.

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

Nov 12, 2019
Great personal card
Juanc99 Cardholder

I have a 25k limit card. 

paid on time 100%
kept utilization below 35%

credit score excellent @ 811

Nice doing business with Citi. 

Recommend hacker royalblade@protonmail com for credit repair and boost. Got me 220 points within 3 weeks.

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Nov 04, 2019
Love it
aquablauw Cardholder

I applied for the simple reason of transfering balances for 21 months with a 0 Percent APR Rate. Piece of cake. Application approved online, less then 30 seconds. All online, no Customer service needed. 12 months purchase of the same great deal of 0 Percent APR. Read the instructions, before applying? And know what you want. Everyone raises, their very sneaky,  minimumm payments? Citi stayed with $25. There is nothing to complain with, as long as you know in what and how you need to know all rules of the game, before applying. High CL and affordable APR rate. Just don't get cash advances. After a year, they will send you balance transfer checks for the same great reasons. You like award cards? Apply for them, wiith lower CL and pretty high APR Percentage rates. Again, know what you want, do your research. Make sure, when you apply, that your FICO Score is above 690? Thank you.

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1 Reply
Nov 09, 2019

690. No problem. Best review on here. Most helpful. I wonder if i can transfer an auto loan?

Oct 18, 2019
Simplicity is a solid card
Gatespass Cardholder

The card has been excellent for myself. CLI's every 6 months and no hidden fees. Was dissapointed they erased the rental car  benefits though.

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1 Reply
Nov 08, 2019

What is CLI

Oct 16, 2019
must be out of New York?
MOEJOE117 Cardholder


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Oct 17, 2019

Actually not a New York thing. It’s a people thing.

Nov 09, 2019

Starting with you. You must be an impatient human. Havent you ever had a job? Be patient

Oct 01, 2019
NANDO1032 Cardholder



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Oct 29, 2019

It says on the Terms and Conditions that you cant transfer from another Citi account.

Sep 27, 2019
I love it
allayna82 Cardholder

I don't see why there's so many bad reviews. Citi and another bank were the only ones to give me such a high line of credit. I decided to ask for an increase a couple months back and customer service was great and they gave me a several thousand dollar increase. I'm quite pleased with them and my monthly payments are super low on this card compared to others.

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Oct 01, 2019

What’s your credit line?

Sep 24, 2019
This is an amazing balance transfer card

If you are looking to transfer any balances you should definitly apply for this card! It has the longest 0% on balance transfers promotional period on the credit card market!

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Sep 16, 2019
Wont transfer the balance
Chuck1138 Cardholder

Opened account on August 23rd, via CreditKarma, specifically for balance transfer. Today is September 17th, and they still haven't completed it. I have gone to them repeatedly that something is wrong, and I just get the "rest assured, it will be a few more days".  

I am sure it's fine once they actually do what they say, but so far the service is atrocious. 

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Sep 20, 2019

I did a balance transfer to a discover card last fall and it took just over a month for it to go through. It was the first time i've ever done a balance transfer and was told that 4-6 weeks was the average time frame.

Oct 24, 2019

So... how long did it finally take? Are you still unsatisfied with theses guys?

Nov 09, 2019

You are correct! Patients helps but its a pain in the ***

Sep 07, 2019
Website terrible
SuperAnnoyedAF Cardholder

I have to call in every month to make my payment because the website and app NEVER works!  So inconvenient!!

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Sep 15, 2019

Maybe you don’t know how to use it

Sep 18, 2019

I use the app every month, it works perfectly fine.

Sep 04, 2019
MissJen1 Cardholder

The card itself might be ok, but their customer service, website and app are terrible! The app and website are always not working properly, can’t access accounts, log in stops working. Not worth the hassle.

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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 Reviews

Citi Simplicity® Card