Citi Simplicity® Card Reviews

Approval Odds

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3.4 out of 5 stars
24 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 5

1 star reviews (5) See All

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

Mar 09, 2019
Bad website
Tonypark Cardholder

Very frustrating website and customer service. Do not use citi bank.

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Feb 16, 2019
Low starting limit with a 754 score.
theheat71 Cardholder

Last time I checked 750 was a EXCELLENT score and based on the forums I've heard the same thing people with stellar credit getting lowballed. Why not just do like crapitalone and give everyone $300....SMH.

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Dec 15, 2018
Surprise Credit Line Decrease for Xmas
Cliff789 Cardholder

Cardmember since 2015. I made a $1,000 payment three days ago. Today I receieved an email that may credit line has been reduced by $1,000. I called to see WTF? They told me to call back in a month to review my account. If I had planned any purchases, that could have ruined the holiday. 

The website is also pretty buggy. I tried raising the issue to customer service twice, once in March and once in April. 30 minute calls each. They made no effort to fix or escalate.

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Nov 08, 2018
Somewhat usefull for intial promo rate
SCHNOODLE3 Cardholder

Good only for the initial promo rate, after that trash this card. Zero rewards, that so called Citibank Thankyou program is an insult. Interest rate is outragous. Balance transfers are never worth it. Don't even ask for a CL increase with perfect credit, it's an automatic decline.

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Aug 07, 2018
Bait and switch
spanishguy1970 Cardholder

These card offers you o% interest for 18 months but good luck they will never do it again. I have great credit and this card has a 23% interest rate now, long gone are the days when you had great credit and low interest. I have called to receive better offers and their answer is always the same “ sorry we don’t have any offers now” is been two years. I use this card and pay it off in full. I have a better credit card, that i pay no international fees and i am always getting good balance transfer offers. Don’t fall for this card, do your homework there are better cards out there.

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Sep 26, 2018

It’s because you dont know how to use it lol. This card is great to put on big purchases and pay it off with no interest. I have used this card on multiple vacation trips. When the 0% apt time i just close it. And when i need the 0% apr again i open a new account. This card is not to be used as an everyday card.

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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