Citi Simplicity® Card


For People with
Excellent Credit

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.

Card Quick Facts

Card Quick Facts

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 14.24% to 24.24% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • 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.

For People with
Excellent Credit

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

None

How to Redeem

Introductory Bonus

  • None
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 15.24%–25.24% Variable
Intro Purchase APR 0% for 18 months
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature
Minimum Credit Limit $500
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee None
Returned Payment Fee Up to $35
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 18 months
Regular Balance Transfer APR 15.24%–25.24% Variable
Balance Transfer Fee 3%; Min:$5
Cash Advances

Cash Advances

Cash Advance APR 15.24%–25.24% Variable
Cash Advance Fee 5%; Min:$10

Card Benefits

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

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