The Citi Simplicity® Card offers a 0% introductory APR for 21 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.
- Annual Fee $0
- Intro Purchase APR 0% for 21 months
- Regular Purchase APR 12.99% - 22.99% (Variable)
- Signup Bonus None
- Chip Technology Chip-and-Signature
- Foreign Transaction Fee 3%
- Intro Balance Transfer APR 0% for 21 months
- Regular Balance Transfer APR 12.99% - 22.99% (Variable)
- Cash Advance APR 12.99% - 22.99% (Variable)
- Penalty APR None
- Late Fee None
- Returned Payment Fee Up to $35
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.
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.