Citi Simplicity® Card

The Citi Simplicity Card offers a long 0% introductory APR for 21 months for balance transfers, which only a few other credit cards offer, and some general shopping and travel benefits.

Purchases will get a shorter term, of 12 months at 0% APR. After the intro periods are over, a regular rate of 15.99%–25.99% Variable will apply for both purchases and balance transfers.

There’s no annual fee, no late fees, and no penalty APR.

Card Quick Facts

Card Quick Facts

  • 0% Intro APR on Balance Transfers for 21 months. After that, the variable APR will be 15.99% to 25.99%.
  • 0% Intro APR on Purchases for 12 months. After that, the variable APR will be 15.99% to 25.99%.
  • No late fees – Ever
  • No penalty rate – Ever
  • No annual fee – Ever
  • Save time when you call with fast, personal help, 24 hours a day.

Manage My Card

Want to pay a bill or check your balance?

Card Details



This card does not offer rewards.
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 15.99%–25.99% Variable
Intro Purchase APR 0% for 12 months
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit $500
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee None
Returned Payment Fee Up to $35
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 21 months
Regular Balance Transfer APR 15.99%–25.99% Variable
Balance Transfer Fee 5%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 15.99%–25.99% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • 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.

  • Free FICO® Credit Score

    Get free access to your FICO® Score from Equifax, the key factors that affect it, and a personalized history graph.

  • Identity Theft Solutions

    Help dealing with and resolving 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 an eligible purchase in the U.S. that you find advertised at a cheaper price within 60 days, you can be reimbursed for the difference; up to $300 per item, $1,200 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 for eligible vehicles, as long as the car rental company’s own insurance is declined; up to $50,000.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

Average rating:  
 0 reviews

The Insider

Susan Shain
How Credit Cards With Car Rental Insurance Could Save You Big Bucks
Susan Shain | Nov 10, 2018

Looking for credit cards with car rental insurance? This post explains the different options and terms — and selects four cards with the best coverage.

Read More
Kat Tretina
Review of the Bank of America Premium Rewards Credit Card
Kat Tretina | Nov 07, 2018

Looking for a new travel rewards credit card? Check out the Bank of America Premium Rewards card, offering 2X points on travel and dining for a $95 fee.

Read More
Kat Tretina
Review of the Cash Magnet Card from American Express
Kat Tretina | Oct 31, 2018

If you're looking for a simple, flat-rate cash back card, check out the Cash Magnet Card from American Express, offering 1.5% cash back with a $250 bonus.

Read More