What is the average credit score needed to get approved for a Citi Simplicity® Card?

To qualify for the Citi Simplicity® Card, you’ll need good to excellent credit.

Does the Citi Simplicity® Card report to all three credit bureaus?

Yes, this card reports to the three credit bureaus.

Is the Citi Simplicity® Card application process lengthy? Can you prequalify?

It is not lengthy to apply for this card, nor does it take a lot of time. The application process to get pre-approved with Citi takes a few minutes.

What information is needed to apply for the Citi Simplicity® Card?

To apply for the Citi Simplicity® Card, you’ll need to provide your name, birthday, Social Security number, address and other important financial information.

Does the Citi Simplicity® Card have good customer service or helpful information online?

Citi offers a 24/7 phone helpline so that you can get in touch with a representative almost immediately.

Does the Citi Simplicity® Card have a mobile app or the option to pay or manage your account online?

Yes, you can manage your account on the Citi website or through their mobile app.

Does the Citi Simplicity® Card raise credit limits automatically or charge for limit increases?

To increase your Citi Simplicity® Card credit limit , you need to fulfill specific eligibility criteria and then make a request.

Does the Citi Simplicity® Card offer the option to freeze your credit/account or have other security features?

Yes, it does. You’re not liable for unauthorized charges and Citi will work with you to resolve any identity theft issues.

Does Citi offer other credit cards besides the Citi Simplicity® Card?

Yes, Citi offers other cards such as the Citi® Double Cash Card and the Citi® Diamond Preferred® Card.

Citi Simplicity® Card Review

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

Citi Simplicity® Card
A good no annual fee card for balance transfers
- 0% Intro APR (then variable APR)Balance Transfer Offer
- 21 monthsBalance Transfer Duration
- 19.24% – 29.99% VariableAPR
- $5 or 3% whichever is greater; $5 or 5% after first four months*Balance Transfer Fee
- Good–ExcellentRecommended Credit
The Citi Simplicity® Card offers one of the longest introductory APR periods for balance transfers, giving you ample time to pay down your existing debt interest-free. The initial balance transfer fee is also on the lower end. If you're primarily in the market for a balance transfer card, the Citi Simplicity® Card is tough to beat. However, if you're also looking for an intro APR on purchases, it falls short. On the plus side, there is no annual fee and you also won't be subject to a penalty APR or any late fees for a missed payment, making this one of the more forgiving balance transfer cards on the market. This card does not offer a rewards program or a welcome offer, but if your priority is paying down a hefty balance, this is a strong contender.
Pros
No annual fee
Long 0% APR introductory offer
Citi perks
No penalty rate
No late fees

Cons
3% foreign transaction fee
No rewards
You need to pay an Introductory Fee- either $5 or 3% of the amount of each transfer, whichever is greater for the first four months of account opening, after that balance transfer fee of $5 or 5% after the first four.
You can have a flexible payment due date that can adjust to your unique situation.
0% intro APR for purchases for 12 months and 0% intro APR for 21 months on balance transfers, then variable APR will be 18.49% – 28.49% thereafter
No annual fees.
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated credit cards.

WHY TRUST OUR REVIEWS

MoneyGeek has a thorough and detailed methodology for reviewing credit cards. We gather information from the Consumer Finance Protection Bureau database, standardize data points for easy comparison, frequently review our top-ranking cards, estimate average spend profiles and more.

With the Citi Simplicity® Card, you have a 0% intro APR period on purchases made in the first 12 months while also having a 0% intro APR period for balance transfers in the first 21 months. These first few months are the ideal period to build your credit history. Then, your variable APR is based on your creditworthiness and ranges from 18.99% – 29.74%. Not having to pay an annual fee or late fees are also major perks.

Citi Simplicity® Card Overview

Quick Take

You need to pay an Introductory Fee- either $5 or 3% of the amount of each transfer, whichever is greater for the first four months of account opening, after that balance transfer fee of $5 or 5% after the first four.
You can have a flexible payment due date that can adjust to your unique situation.
0% intro APR for purchases for 12 months and 0% intro APR for 21 months on balance transfers, then variable APR will be 18.99% – 29.74% thereafter
No annual fees.

Important Card Details

Since credit cards come with different fees and terms, it’s wise to understand the fine print before applying.

Regular APR
Your creditworthiness determines your variable APR. You could pay between 18.99% – 29.74%.
Balance transfer fee
This costs either $5 or 5% of the amount of each credit card balance transfer, depending on which is greater.
Foreign transaction fee
For every international transaction you make, you’ll pay 3% of the total.

Additional Benefits

Aside from no annual fee, the Citi Simplicity® Card offers additional features that cardholders may find beneficial.

Contactless pay: Since the card is chip-enabled, you can tap your card on payment readers for convenience.
$0 liability on unauthorized charges: You won’t be held liable if there’s a charge on your account that you didn’t authorize.
Citi Identity Theft Solutions: With Citi, you can resolve identity theft issues easily.
24/7 customer service: If you need quick access to a representative, Citi offers help whenever you need it.
Flexible payment date: You choose the monthly date when you pay the minimum or full balance on your card.

How the Citi Simplicity® Card Compares To Other Cards

The Citi Simplicity® Card offers no annual fee, no late fee and more. While these are great perks, it’s advisable to compare them with similar cards to ensure you get the card that best fits your needs.

How the Citi Simplicity® Card Compares

Citi Simplicity® Card

APR: 18.99% – 29.74% variable
Annual Fee: $0
Balance Transfer Fee: 5%
Mini Verdict: Best for individuals that are looking to make big purchases or transfer a balance

Wells Fargo Platinum Card

APR: 16.49% to 24.49%
Annual Fee: $0
Balance Transfer Fee: 3%-5%
Mini Verdict: Ideal for people who want to rebuild credit

Frequently Asked Questions

sources

Citi. "Citi Simplicity® Card." Accessed March 1, 2022.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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MoneyGeek’s Take

Citi Simplicity® Card Review

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