Citi Simplicity® Card Reviews

Approval Odds

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3.4 out of 5 stars
26 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

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

1 star reviews (7) 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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Feb 02, 2019
APR Hike Scheme
Aurora50 Cardholder

I had this card in the past and one day out of the blue Citi closed my account for some vague reason. I suspect that it was because I didn't use it very often. However, almost immediately Citi started emailing and snail mailing me offers to apply for the card, at a higher APR than I had previously. Yeah, so, the simplicity of this card must refer to Citi's business practices and the audacious way it is marketed to former cardholders.

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Mar 05, 2019

I agree with you. I had my Citi Simplicity card for almost 16 years - no late payment ever! I found out through my credit report that they closed my account. They did not mail or email me. When I called them they denied that it was closed. Then 2 months later there was a message on my app that the account is. Loser and I should go on the website and take off the link. Why would I feel in anyway compelled to reapply for a credit card with them when there are so many other options.

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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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.

The ratings and reviews are brought to you by our users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.


Citi Simplicity® Card