Credit and Habit

CitiPersonal card

Citi Simplicity Credit Card

Low intro APR on purchases for months Low intro APR on balance transfers for months No late fees ever $0 Annual Fee

AT A GLANCE

Credit card overview

Card categories

  • Rewards

What you get

Rewards and benefits

How it earns

While the Citi Simplicity ® Credit Card does not earn rewards, it does offer benefits such as no late fees, no penalty rate and no annual fee

  • Low intro APR on purchases for months Low intro APR on balance transfers for months No late fees ever $0 Annual Fee

Shown as the issuer describes it. Caps, exclusions and enrollment rules can apply.

What it costs

Fees, rates and terms

Annual fee$0
Advertised credit profileIssuer determines eligibility; no minimum score published in the reviewed source.

The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Citi makes every lending decision.

Annual fee and first-year pricing
No Annual fee
Purchase APR
the variable APR for unpaid promotional balances, new purchases, and new balance transfers is % - %, based on your creditworthiness
Introductory APR and duration
% Intro APR for months on purchases and balance transfers from date of account opening
Balance transfers and fees
Intro balance transfer fee Balance transfer fee after intro rate expires
Cash advances and fees
Cash advance fee — either $ or % of the amount of each cash advance, whichever is greater
Foreign transaction fee
Fee for foreign purchases — % of the U.S. dollar amount of each purchase
Late / returned payment fees
No Late fee
Penalty APR
No Penalty rate
Grace period
Enjoy the flexibility of paying your full balance or just the minimum payment due each month
Authorized users and fees
No Authorized User fee
Card network
The Citi Simplicity ® Credit Card is issued on the Mastercard ® network

Recorded from Citi’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.

Your call

Before you apply for the Citi Simplicity Credit Card

  1. Compare the current purchase APR and consider how reliably you can pay the statement balance in full. Interest can outweigh rewards.

Read the full application checklist →See how it fits your spending in Find My Card →

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Welcome offer

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View details →Apply on issuer site