Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Holly Johnson, Evan Zimmer, CnetThe Citi Simplicity is a great card for balance transfers, especially for people who need more time to pay down their debt. However, this card isn’t great for purchases because of its shorter intro APR period and lack of rewards or notable perks.
- Sarah Hostetler, TimeThe Citi Simplicity® Card has $0 annual fee, comes with a nearly unprecedented 0% intro APR offer for balance transfers, and waives things like late and returned payment penalties. Unfortunately, that’s where the benefits end. The card doesn’t offer rewards and has no other ongoing perks worth menti...
- Ashley Parks, BankrateIf you need time and flexibility to pay off your debt, this card may be an excellent fit.
- Holly Johnson, CreditCards.comThe Citi Simplicity card offers a very long introductory period for balance transfers and carries minimal fees, making it a great option if you’re ready to put debt behind you once and for all.
- Dia Adams, Caroline Lupini, ForbesThe Citi Simplicity credit card can prove useful for those looking to pay down balances over an extended period of time. There are better options out there for those looking for rewards programs and balance transfer abilities in the same card, but for short-term debt management, it stands as a reaso...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
19.24% ‐ 29.99% (Variable) (0% for the first 12 months) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
19.24% ‐ 29.99% (Variable) (0% for the first 21 months)
|
| Cash Advance Interest Rate |
29.99% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee |
5% Minimum of $5 |
| Cash Advance Fee |
5% Minimum of $10 |
| Foreign Transaction Fee |
3% of each transaction in U.S. dollars. |
| Over Limit Fee | $0.00 |
| Late Payment Fee | $0.00 |
| Promotions | |
| Sign up bonus | No |
| Rewards | |
| All Purchases | No |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | No |
| Car Rental Insurance | No |
| Car Rental Discount | No |
| Extended Warranty | No |
| Purchase Protection | No |
| Zero Liability | Yes |
| No Foreign Transaction Fees | No |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | No |
| Wireless Payments | Apple Pay, Samsung Pay, Google Pay |
| Virtual Cards | Yes |
| Additional Benefits |
Citi Identity Theft Solutions |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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