Citi Simplicity® Card Reviews

Approval Odds

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3.4 out of 5 stars
26 Review

From Cardholders in the last year

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ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL

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
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2 star reviews (1) See All

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

Jun 21, 2018
BEWARE
Georgeat47 Cardholder

Oh sure no fees, I had a balance transfer for 9000.00 of which they charged me 450.00 on a balance transfer. And they tell you you can pick your due date, I couldn't. Also the interest isn't locked it, which means it can go up.

more ...
Aug 04, 2018

I am assuming they gave you high credit limit. It seems like the average credit limit they give is $4K-$5K. I wanna apply for this card but I need at least $10K limit for balance transfers and I’m afraid they will only give me just $4K or $5K. What was your credit score like? Mine is 690.

 
Nov 01, 2018

Guess you didn’t read the terms. 5% fee on balance transfer which was correctly charged to you in the amount of $450 on a $9000 transfer. Also it’s a variable apr so read the terms next time so you don’t need to leave a poor review on a card just because you didn’t read the terms.

 
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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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See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ 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