  | Citi Simplicity® CardFind more credit cards from Citi
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effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you.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 CreditDonkey
Citi Simplicity® Card is a Personal Mastercard card with
To apply for Citi Simplicity, you usually need excellent credit.
Apply directly for the Citi Simplicity® Card with
| Intro APR | Intro Period | APR | Penalty APR | |
|---|---|---|---|---|
| Purchases | 0% | 18 months | 12.99% - 21.99% (Variable) | See Issuer's Website |
| Balance Transfers | 0% | 18 months | 12.99% - 21.99% (Variable) | See Issuer's Website |
| Cash Advances | - | - | 12.99% - 21.99% (Variable) | See Issuer's Website |
Rewards & Benefits
Price Protection
If 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).
If 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 Warranty
The 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.
The 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 Protection
Protects 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.
Protects 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 Insurance
Receive 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.
Receive 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 Assistance
Because your card is issued by Citi, you'll get specialized assistance if you ever become a victim of identity theft.
Because your card is issued by Citi, you'll get specialized assistance if you ever become a victim of identity theft.
Travel Assistance
With 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.
With 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 Options
Choose 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.
Choose 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.
Compare: Citi Simplicity vs Citi Forward
Car Rental Insurance
You'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.
You'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 Insurance
Charge 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.
Charge 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 Liability
Shop anywhere and never lose a penny on unauthorized charges. With $0 Liability you won't pay for any unauthorized charges made with your card.
Shop anywhere and never lose a penny on unauthorized charges. With $0 Liability you won't pay for any unauthorized charges made with your card.
Compare: Citi Simplicity vs Chase Sapphire
- 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
Interest Rates & Interest Charges
- 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.
Fees
- 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.
Complete Card Details
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® Card
Citi Simplicity Review: 0% Intro APR for 18 Months
Citi 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.
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