Citi Simplicity® Card

The Citi Simplicity® Card offers a 0% introductory APR for 18 months, which only a few other credit cards offer, and some general shopping and travel benefits.

See how this card compares to others in the Citi Simplicity Card vs the Citi ThankYou Preferred Card and The Citi Simplicity® Card vs. The Citi Diamond Preferred® Card.

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Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.

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  • Rewards


  • Signup Bonus None
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee 3%
  • Intro Balance Transfer APR 0% for 18 months
  • Regular Balance Transfer APR 15.24%–25.24% Variable
  • Cash Advance APR 15.24%–25.24% Variable
  • Penalty APR None
  • Late Fee None
  • Returned Payment Fee Up to $35

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.


  • Fast Customer Service

    Call any time and just say “representative” to speak to a customer service representative immediately.

  • Choose Your Payment Due Date

    Pick the time of month you’d like to have your bills due.


  • Identity Theft Solutions

    Help dealing with issues of identity theft.

  • Zero Liability Fraud Protection

    You are not held responsible for unauthorized transactions on your card.


  • Extended Warranty Protection

    Eligible warranties of 5 years or less can be extended by up to an additional year; up to $10,000 per year.

  • Price Rewind

    If you made a purchase in the U.S. that you find advertised at a cheaper price within 60 days, you can get reimbursed the difference; up to $300 per item, $1200 per year.


  • Travel and Emergency Assistance

    Provides help with emergencies, including legal and medical referrals.

  • Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision, as long as the car rental company’s own insurance is declined; up to $50,000.

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