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Citi Simplicity® Card


See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate information, the information shown on this site may vary, be out of date, or not applicable to you.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.


Citi Simplicity® Card is a Personal MasterCard card with $0 annual fee.

Intro APR Intro Period as long as Regular APR
Purchases 0%*21 months*12.99% - 22.99%* (Variable)
Balance Transfers 0%*21 months*12.99% - 22.99%* (Variable)
Cash Advances N/AN/A12.99% - 22.99%* (Variable)

    Interest Rates & Interest Charges

  • Annual Percentage Rate (APR) for Purchases
    0% introductory APR for 21 months*. After that, your APR will be 12.99% to 22.99%* (Variable) based on your creditworthiness and other factors.
  • Annual Percentage Rate (APR) for Balance Transfers
    0% introductory APR for 21 months*. After that, your APR will be 12.99% to 22.99%* (Variable) based on your creditworthiness and other factors.
  • Annual Percentage Rate (APR) for Cash Advances
    APR will be 12.99% to 22.99%* (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

  • Annual Fee
    $0 annual fee
  • 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 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.
 

Citi Simplicity® Card

Citi ThankYou® Preferred Card

 

Interest Rates & Fees

Introductory APR for Purchases0%* introductory APR for 21 months*0%* introductory APR for 12 months*
Introductory APR for Balance Transfers0%* introductory APR for 21 months*0%* introductory APR for 12 months*
Purchase APR12.99% to 22.99%* (Variable) based on your creditworthiness and other factors12.99% to 22.99%* (Variable) based on your creditworthiness and other factors
Balance Transfers APR12.99% to 22.99%* (Variable) based on your creditworthiness and other factors12.99% to 22.99%* (Variable) based on your creditworthiness and other factors
Annual Fee$0 annual fee$0 annual fee
 

Benefits and Features

Introductory Bonus Reward Points Introductory Bonus Reward Points: Earn 20,000 bonus ThankYou® Points after you spend $1,500 in card purchases within 3 months of account opening (redeemable for $200 in gift cards)
Point Rewards Point Rewards: Earn 1 ThankYou Point per dollar on other purchases
Dining Rewards Dining Rewards: 2 ThankYou Points per dollar spent on dining at restaurants
Smart Chip
 

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

Citi Simplicity: Pricing information including interest rates, rewards, benefits and fees were obtained on July 13, 2015 from published websites and are believed to be accurate, but not guaranteed.

Citi Thank You Preferred: Pricing information including interest rates, rewards, benefits and fees were obtained on July 13, 2015 from published websites and are believed to be accurate, but not guaranteed.

    Complete Card Details

  • Pricing information including interest rates, rewards, benefits and fees were obtained on July 13, 2015 from published websites and are believed to be accurate, but not guaranteed.
  • 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.


Articles on Citi Simplicity® Card

    Citi Simplicity Review

    January 7, 2012 - By David R - Reviews
    By not charging for late payments, the Citi Simplicity Card gives cardholders some breathing room when it comes to managing their credit. Plus, with an 21-month introductory APR on purchases and balance transfers, this card is a smart pick for people who carry a balance. In exchange for this flexibility, the Citi Simplicity Card does not have a rewards program.

Recent Mentions

    Citi Simplicity vs Discover It

    December 1, 2014 - By Sarah Johnson - Reviews for 0% Intro APR on Balance Transfers
    When you’re looking for a card that will give you a lengthy period of time to pay off your credit card balances without having to pay interest, both the Discover It and Citi Simplicity are attractive options. These cards give you an introductory 0% APR on balance transfers, but the details vary.

    Citi Diamond Preferred Card Review

    December 30, 2011 - By David R - Reviews for Citi Diamond Preferred
    With its 21-month introductory APR on purchases and balance transfers, the Citi Diamond Preferred Card is a great pick for people who carry a balance. While this card does offer a few other benefits, such as a concierge service, its main attraction is its introductory APR. That is a long time in the world of credit cards. This is an opportunity for you to get a break from high interest charges, whether you are trying to make a dent in your debt or if you need to make a bunch of big ...

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Compare Citi Simplicity to:


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 12 months*
0%* for 12 months*
12.99% - 22.99%* (Variable)
$0*


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 21 months*
0%* for 21 months*
11.99% - 21.99%* (Variable)
$0*

Chase Slate
  • Chase Slate named "Best Credit Card for Balance Transfers" two years in a row by Money Magazine
  • $0 Introductory balance transfer fee for transfers made during the first 60 days.
  • 0% Introductory APR for 15 months on purchases and balance transfers.
  • New Free Monthly FICO® Score and Credit Dashboard
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 15 months
0% for 15 months
12.99%, 17.99%, or 22.99% Variable
$0

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

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.