Citi Simplicity® Card

Quick View

• Annual Fee $0
• Intro Purchase APR 0% for 18 months
• Regular Purchase APR 15.24%–25.24% Variable
• Rewards

  None

• Signup Bonus None
• Chip Technology Chip-and-Signature
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• 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.

Account

• 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.

Security

• 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.

Shopping

• 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

• 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.