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| Citi Simplicity® Card Find more credit cards from Citi
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
- Peace of mind through direct access to a service representative, no late fees and no penalty rate
- No annual fee*
- Go to issuer's official application, terms, and details
See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website. |
Credit Card Review by CreditDonkeyCiti Simplicity® Card is a Personal Mastercard card with $0 annual fee. To apply for Citi Simplicity, you usually need excellent credit. Apply directly for the Citi Simplicity® Card with Citi secure online application. | Intro APR | Intro Period as long as | APR as low as | Penalty APR |
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| Purchases | 0% | 18 months | 12.99% - 21.99% (Variable) | See Issuer's Website |
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| Balance Transfers | 0% | 18 months | 12.99% - 21.99% (Variable) | See Issuer's Website |
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| Cash Advances | - | - | 12.99% - 21.99% (Variable) | See Issuer's Website |
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Rewards & BenefitsPrice ProtectionIf you buy something with your Citi card and then see it advertised in print for less within 60 days, you may be eligible for a refund of the difference up to $250(excludes internet purchases and advertisements and certain items).  Extended WarrantyThe terms of the original manufacturers' U.S. warranties (three year or less) may be extended up to one additional year on most items purchased on your card.  Purchase ProtectionProtects most purchases made on your Citi card against theft, fire or accidental breakage of up to $500 for up to 90 days from the date of purchase.  Baggage InsuranceReceive up to $3,000 in Lost Luggage Coverage for you and your dependents when you charge your entire common carrier fare to your Citi Simplicity Card. This benefit covers permanently lost, stolen or damaged baggage or personal articles checked with a common carrier.  Identity Theft AssistanceBecause your card is issued by Citi, you'll get specialized assistance if you ever become a victim of identity theft. Travel AssistanceWith medical and legal referrals and translation services, you're protected while on the road or abroad. Included in this service are Emergency Medical Referral Assistance, Legal Referral Service and Travel Assistance. Citi Flexible Payment OptionsChoose to pay your bill in the beginning, middle or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.  Car Rental InsuranceYou're automatically covered when you reserve and rent an eligible vehicle with your Citi® card and decline the car rental company's collision loss/damage waiver insurance.  Travel Accident InsuranceCharge plane, train or bus tickets to your Citi® card and you, your spouse and eligible dependent children are automatically covered for Common Carrier Travel Accident Insurance at no additional cost.  $0 Fraud LiabilityShop anywhere and never lose a penny on unauthorized charges. With $0 Liability you won't pay for any unauthorized charges made with your card.
Interest Rates & Interest Charges- Annual Percentage Rate (APR) for Purchases
0% introductory APR for 18 months. After that, your APR will be as low as 12.99%, 17.99%, 21.99% (Variable) based on your creditworthiness and other factors. - Annual Percentage Rate (APR) for Balance Transfers
0% introductory APR for 18 months. After that, your APR will be as low as 12.99%, 17.99%, 21.99% (Variable) based on your creditworthiness and other factors. - Annual Percentage Rate (APR) for Cash Advances
APR will be as low as 12.99%, 17.99%, 21.99% (Variable) based on your creditworthiness and other factors. - Paying Interest for Purchases
You usually have at least 23 days after the close of each billing cycle to pay your entire balance to avoid interest. If you are charged interest, the charge will be no less than $0.50
Fees- Balance Transfer Transaction Fee
Either $5.00 or 3% of the amount of each transfer, whichever is greater. - Cash Advance Transaction Fee
Either $10.00 or 5% of the amount of each cash advance, whichever is greater. - Foreign Exchange Transaction Fee
3% of the amount of each transaction. - Late Payment Fee
Usually, a $0 fee for each late payment may apply. - Returned Payment Fee
Usually, a $35 fee for each returned payment may apply. - Overlimit Fee
Usually, a $0 fee for each overlimit may apply.
Complete Card Details- For the complete terms and conditions, view the issuer's official application, terms, and details. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. Please review the terms and conditions on the issuer's website.
Disclaimer: This content is not provided or commissioned by Citi. Opinions expressed here are author's alone, not those of Citi, and have not been reviewed, approved or otherwise endorsed by Citi. This site may be compensated through Citi Affiliate Program.
Articles on Citi Simplicity® CardCiti Simplicity makes credit card management easier for consumers. With no late fees or penalty rates, managing your bills is less complicated. Plus, with a lengthy introductory 0% interest rate, this is the ideal card for balance transfers. In exchange for having no late fees, this card does not offer any sort of rewards program. Disclaimer: This content is not provided or commissioned by Citi. Opinions expressed here are author's alone, not those of Citi, and have not been reviewed, approved or otherwise endorsed by Citi. This site may be compensated through Citi Affiliate Program.
Recent MentionsIf you plan on carrying a balance, your best bet is a card with a low interest rate. But which should you choose? Compare introductory APRs, regular APRs and annual fees to determine the best card for you. With the start of the 2012 wedding season, we've put together our recommendations on the best credit card offers to help engaged couples plan their wedding.
Compare Citi Simplicity to: | | - 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
- 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
- Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass(R).
- Exciting deals and savings for great brands through Citi Specials
- $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
- No annual fee*
| | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | 0% for 18 months | 0% for 18 months | 11.99% - 21.99% (Variable) | $0 |
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Popular Cards from Citi
| | - $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
- 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable
- 5 points for every $1 you spend on restaurants and on books, movies and music. 1 reward point for every $1 you spend on other purchases.
- APR reduction on purchases when using credit wisely
- No Annual Fee*.
| | | | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | 0% for 7 months | 0% for 12 months | 12.99% - 22.99% (Variable) | $0 |
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| | - Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases within the first 3 months of cardmembership*
- Your first eligible checked bag is free*
- Priority Boarding* and 25% savings on eligible in-flight purchases*
- Earn a $100 American Airlines Flight Discount every cardmembership year with qualifying purchases and cardmembership renewal*
- Double AAdvantage® miles on eligible American Airlines purchases*
- Earn 10% of your redeemed AAdvantage® miles back - up to 10,000 AAdvantage(R) miles each calendar year*
- No mileage cap* and your miles may never expire*
| | | | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | | - | - | 15.24% (Variable) | $95 |
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