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Citi Simplicity® Card

PREPAID & CREDIT CARD APPLICATIONS ONLINE

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Card Rating:
Minimum Credit Needed:
Minimum credit history required to be eligible for this credit card.
If your credit is less than the minimum required, DO NOT APPLY for the card.
Card Rating:
Minimum Credit Needed:
Minimum credit history required to be eligible for this credit card.
If your credit is less than the minimum required, DO NOT APPLY for the card.
Bank:
Citibank
Card Network:
MasterCard®
User Category:
Everyday
Consumer Card
These credit cards are for the average consumer who needs a credit card for personal use.
Card Type:
Unsecured Card
Unsecured credit cards offer a revolving credit line and not requiring an initial deposit.
Issuing Country:
United States
About this Credit Card:
0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 12.99% - 22.99% 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.
Interest Rates & Fees
Everyday Purchases:
Introductory APR:
The interest charged on purchases for a short period of time (introductory period).
0% (21 months)26
Ongoing APR:
The interest rate charged on purchases when account is established or after introductory period is over.
12.99% - 22.99% (Variable)
Default APR:
The interest rate charged when you miss payments, do not make payments at all or pay less than minimum.
n/a
Minimum Grace Period:
The period of time during which you can pay off the card balance without paying the interest.
23 days
Minimum Interest Charge:
The minimum amount charged by a lender if you are charged interest.
$0.50
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Balance Transfer:
Introductory APR:
The interest rate charged on transferred unpaid debt for a short period of time (introductory period).
0% (21 months)26
Ongoing APR:
The interest rate charged on transferred unpaid debt when account is established or after introductory period is over.
12.99% - 22.99% (Variable)
Balance Transfer Fee:
A fee which may be charged for transferring an outstanding balance to your new credit card.
3% ($5 min)
Default APR:
The interest rate may be charged when you miss a payment, exceed available credit limit or pay less than minimum.
n/a
Minimum Grace Period:
The balance transfers do not usually have a grace (interest-free) period.
n/a
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Cash Advance:
Ongoing APR:
The non-introductory interest rate charged for cash advances when account is established.
12.99% - 22.99% (Variable)
Cash Advance Fee:
A one-time service charge on cash advance made through ATM, a teller, or an access check.
5% ($10 min)
Default APR:
The interest rate charged when you miss payments, do not make payments at all or pay less than minimum.
n/a
Minimum Grace Period:
The cash advances do not usually have an interest-free period and the interest starts accruing the day you make cash advance.
n/a
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Other Fees:
Application Processing Fee:
A fee which may be charged upfront when you apply for a credit or a debit card.
n/a
Annual Fee:
A fee charged annually for use of a credit card.
$026
Late Payment Fee:
A fee which is charged when you miss a payment or your payment is received after the due date.
$0
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Expert Review
Our Expert's Valuation:
Credit-Land.com experts thoroughly analyzed the credit card and defined its main pros and cons.
pluses
Zero intro APR on balance transfers.

pluses
No late fees or penalty rate.

pluses
No annual fee.

minuses
No rewards program.

Expert's Ratings:
Credit-Land.com experts evaluate each card using five criteria in order to help you choose the best card.
Overall:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Interest Rates:
Maintenance Fees:
Features & Benefits:
Reward Program:
Customer Service:
Overall:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Interest Rates:
Maintenance Fees:
Features & Benefits:
Reward Program:
Customer Service:


26 See the Citi card terms and conditions online.

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User comments about Citi Simplicity® Card:
  • Jon_K
    How can I get the information about my Citi card? I dont have Citi offices near the place I live Im too busy to drive 86 mi to the nearest office.
  • CreditLandCom
    Citi has 24 hours a day customer service which you can contact with any issue or question you have about your credit card account. If you want to talk to a live person, you can ask for a customer service representative.
  • Donna
    After calling customer service several times to check my balance (the rep I was talking eacj time was very polite though), I was offered to set up account alerts.. no more worries about going overlimit, very convenient. But I still call customer service from time to time…
  • sofie_K
    Just received my new Citi card and it sais no late fees ever! So I wont be penalized for being late with a payment? Never??
  • CreditLandCom
    That’s true. You won’t be charged a late payment fee and your interest rate won’t be increased if you miss a payment due date.
  • Nina
    What account alerts? And how will I receive them?
  • CreditLandCom
    You can set up automatic alerts via your online Citi account or with the help of their customer service. You can set up to receive automatic alerts about your account changes to your email or your mobile phone. The bank will remind you about your current balance, payments due or when you go over limit.
  • Kevin Evans
    Does it have an annual fee?
  • CreditLandCom
    No. The card comes without an annual fee.
  • Lynne
    it would be better if it had a rewards program… don’t see much sense in this card…
  • Saldana
    if you are after rewards, then you should go somewhere else… itransfered and paid off old balances on my two cards, worked perfectly for me because isometimes pay late but here i had the whole introductory period to pay off my debt without penalties.