Citi Simplicity® Card
NoLate fees
Nopenalty rate
NoAnnual fee
Ever
Plus, get our low intro APR for 18 months on purchases and balance transfers.
*Pricing & InformationApply NowTTY: Use 711 or other Relay Service
As of 6/1/2019. Ratings are selected from 5,656 customer reviews collected between 4/6/2016 and 6/1/2019.
0% Intro APR for 18 months on purchases and balance transfers. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.*
Purchase duration is from date of account opening and balance transfer duration is from date of first transfer. All transfers must be completed in first 4 months.
There is a balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater.*
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:
Get in the NO.
No late fees, no annual fee, and no penalty rate with our low intro APR for 18 months on purchases and balance transfers.*
Apply Now