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

Most Helpful Positive Review

Jul 09, 2018
Great mobile app and blank checks
Ayinas24 Cardholder

I use the mobile app to request credit increase with no hit to my credit report, other than showing the increase. Throughout the year I receive blank checks with interest starting at 0% to 6%. I always wait on the 0% to come out. Usually it's 0% for about 18 months. Luv it. There is a fee for it but it's not alot of money. You can also get your credit score in the mobile app. Monitor spending, see statements, make extra payments, change due date with a few clicks in your phone. I usually request an increase when I have a balance to keep my credit card usage under 30% for credit reporting purpose. This have been a great card building my credit. I dealt with customer service a couple of occasions, I had no bad experience. I have handled most transactions via mobile app and by blank checks. Great card.

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Most Helpful Negative Review

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

Mar 11, 2019
Perfect for balance transfers
Lax08 Cardholder

Easy app process, and had good experience with the customer service team. TU 772, EQ 770. Instantly approved for 6100, more than enough to do what I needed it to do- a balance transfer.

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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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1 Reply
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.

Jan 01, 2019
Perfect Card To Help Pay Off Debt
Stealthy28 Cardholder

Approved for 16K which was more then enough to help me transfer 

high interest credit card debts and save big $$$ over the 21 month promo rate @ 0% the fee was less then the interest I’d have paid over a 5 month period on just one of the cards I transfered.

Thank you Citi! 

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1 Reply
Jan 30, 2019

What is your approx credit score, in which they approved you for that amount may I ask?

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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.

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Citi Simplicity® Card