Citi Simplicity® Card


The Citi Simplicity® Card offers a long 0% introductory APR for 21 months for balance transfers, which only a few other credit cards offer, and some general shopping and travel benefits.

Purchases will get 12 months at 0% APR.

See how this card compares to others in the Citi Simplicity Card vs the Citi ThankYou Preferred Card.

Key APRs & Fees

Annual Fee
Regular Purchase APR
15.99% to 25.99% variable
Purchase Intro APR
0% for 12 months
Balance Transfer Intro APR
0% for 21 months
Balance Transfer Fee
$5 or 5% of the transaction, whichever is greater

Additional Info

Max Late Fee
Max Penalty APR
Foreign Transaction Fee
3% of the transaction value
Cash Advance APR
15.99% to 25.99% variable
Cash Advance Fee
$10 or 5% of the cash advance amount, whichever is greater
Smart Chip
Chip-and-Signature & Chip-and-PIN



The Credit Level needs to Apply this Credit Card


How to apply for the Citi Simplicity® Card

  1. Click "Apply" button.
  2. According to the requirements of the credit card official website, fill out the application form with information, such as your name, Social Security number, home address, income source, and total annual income.
  3. Review and submit your application.

What will happen if you click the "Apply" button?

  • Clicking the "Apply" button will take you to the official bank's website of the online application. And it will not leave any mark on your credit report.
  • only provides credit cards' information. All applications will be made on the banks' official websites, and our website will not record any your personal information.
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Card Review Comments

Sep 19, 2018

I was instantly approved for 5500 with CITI Simplicity card.  Couldnt be happier, really helped me out when I needed it, very clutch as Im making ttransitions between colleges and work.  I talked to customer service who were respectful and seemed helpful. 

by User jeffreybaks

Jul 16, 2018

Approved for $4600. Credit score is in the mid 700s. Great card to transfer balances. 

by User Mns38

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