Citi Simplicity® Card

NoLate fees

Nopenalty rate

NoAnnual fee

Ever

Citi Simplicity Card

Plus, get our low intro APR for 21 months on balance transfers and for 12 months on purchases.

Pricing & InformationApply Now

Rated 4.5 out of 5 Stars

As of 2/5/2018. Ratings are selected from 4,820 customer reviews collected between 4/6/2016 and 2/2/2018.

0% INTRO APR on balance transfers for 21 MONTHS from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.1

0% INTRO APR on purchases for 12 MONTHS from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.1

If you transfer a balance with this offer, interest will be charged on new purchases and unpaid introductory balances after your 0% introductory APR on purchases has expired, unless you pay the entire balance (including any transferred balance) in full each month by the due date.

There is a balance transfer fee of $5 or 5% of the amount of the transfer, whichever is greater.

Pricing & Information

Live the simple life.

  • Say goodbye to late fees.

  • Forget about a penalty interest rate.

  • Never pay an annual fee.

Benefits you can count on.

Access Your Score

Get free access to your FICO® Score, the key factors that affect it, and a personalized history graph.

Flexible Payment Date

Choose to pay your bill on any available due date in the beginning, middle, or end of the month.

Account Protection

Enjoy $0 liability on unauthorized charges, identity theft protection, and Fraud Early Warning.

What some of our cardmembers are saying:

5 out of 5 Stars

“I love the fact that this card works with my busy life style. As a mom of 2 kids it can get kind…

“I love the fact that this card works with my busy life style. As a mom of 2 kids it can get kind of hectic and I can get forgetful with no late fee or penalties it helps work for the better of my family.”

Lindsey, Citi Simplicity® cardmember

4 out of 5 Stars

“I can use my card anywhere and their 24/7 customer service is amazing.”…

“I can use my card anywhere and their 24/7 customer service is amazing.”

E, Citi Simplicity® cardmember

5 out of 5 Stars

“I like that I have a card that I can use anywhere that I don’t have to pay those annoying annual fees for…

“I like that I have a card that I can use anywhere that I don’t have to pay those annoying annual fees for and with customer service that I can rely on to help me whenever I need it!”

Jess, Citi Simplicity® cardmember

Citi Simplicity Card

Get in the NO.

No late fees, no annual fee, and no penalty rate with our low intro APR for 21 months on balance transfers and for 12 months on purchases.

Apply NowPricing & Information