Written Best for
- Small Business Owners
- Everyday Spending
- Balance Transfers
Considerations
- Late Payment Fee
- Foreign Transaction Fee
- Intro APR, Introductory Bonus
- Penalty APR
Pros
- 0% intro rate on new purchases for 12 months
- Cardholders will pay no annual fee
- No penalty APR
- No late fees
Cons
- No rewards
- Balance transfer fee
- High regular APR
- 3 percent foreign transaction fee
- 50+ Credit Cards Ranked
- 2000 Data Points Collected
- 10 Levels of Rank Checking
- 25+ Categories Considered
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See our full methodologyIn This Review
Review: Citi Simplicity® Card
Get in-depth credit card reviews covering features, benefits, fees, and rewards. Make informed decisions and find the perfect card for your financial goals.
For more information see our credit card score explanation here.At Lootrs, we put each card to the score.
We score Citi Simplicity® Card 10 different factors that impact the benefits and rewards of the cards. scoring categories include:
| Credit Cards Review | Rating |
|---|---|
| Intro APR | Excellent |
| Regular APR | Excellent |
| Annual Fee | Exceptional |
| Welcome Bonus | Very Good |
| Rewards | Fair |
| Benefits | Very Good |
| Recommended Credit Score | Very Good |
| Foreign Transaction Fee | Very Good |
| Cash Advance Fee | Very Good |
| Balance Transfer Fee | Very Good |
Who can apply for Citi Simplicity® Card?
We have categorized Citi Simplicity® Card 4 main useful user criteria. it's applied using the Lootrs methodology.
How is Citi Simplicity® Card Different?
Limited card benefits
Most dedicated balance transfer cards are like this. The Citi Simplicity is light on perks. The card has no rewards. It offers few other benefits. Some of the unimpressive benefits the card offers include:
- Choose your payment due date. Citi lets you pick a date to align with payday or when you pay bills each month.
- You can use your card for contactless payments. This option is available.
Citi Simplicity® Card Annual Fee
Card type: No Annual Fee Credit Cards
Issuer Name: Citibank
No annual fee
Another plus is that the card does not have an annual fee. Balance transfer cards rarely charge an annual fee. Seeing "$0" is always a welcome sign.
Welcome Bonus
The card also lacks a rewards program or welcome offer. So, it lacks the long-term value of rewards cards that have balance transfer offers.
APRs: Citi Simplicity® Card
Explore credit card APRs to understand borrowing costs. Learn how APRs vary for purchases, balance transfers, and cash advances. This is crucial for informed financial choices.
The table below shows the types of each APR brief description for the Citi Simplicity® Card.
| Type of APR | Rating |
|---|---|
| Intro APR - 0% intro APR on Purchases for first 15 months and 0% intro APR on Balance Transfers for first 21 months on qualifying balance transfers | 9.8/10Excellent |
| Regular APR - 19.24% - 29.99% Variable APR | 9.5/10Excellent |
| Purchase - 19.24% - 29.99% Variable APR | 9.1/10Very Good |
| Balance transfer - 19.24% - 29.99% variable, 3% intro fee ($5 min) for each transfer in first 4 months, and 5% ($5 min) for each transfer after that | 9.4/10Very Good |
| Cash advance - 29.99% variable, plus a fee of either $10 or 5% of the amount of each transaction, whichever is greater | 9/10Very Good |
| Penalty - No Penalty Fee | 10/10Exceptional |
Citi Simplicity® Card Benefits
Certainly! Here's a table. It shows the benefits of the Citi Simplicity® credit card:
| Benefits | Score |
|---|---|
| Flexible payment due date Cardholders are able to choose a payment due date that works best for them. |
9/10Very Good |
| No penalty APR You won’t be assessed a penalty APR if you’re late on a payment. |
10/10Exceptional |
| 21 month-APR offer on balance transfers The 21-month offer on balance transfers is one of the longest intro APR offers. They have not paid interest for nearly two years. This gives cardholders the chance to make a serious dent in their debt. |
9/10Very Good |
| 12 month-APR offer on purchases If you need to pay for purchases over time, you won't have to pay interest on them for a full year. However, there are cards with longer intro APR periods on purchases. |
9.5/10Excellent |
| Fewer fees The Citi Simplicity doesn’t charge an annual fee or late fees. It does, however, charge a balance transfer fee and cash advance fee. |
9.2/10Very Good |
Citi Simplicity® Card Rewards
Citi Simplicity® Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
- No Rewards offer
Mastercard Benefits
| Zero Liability Protection | Mastercard Global Services | ID Theft Protection |
Recommended Credit Score
Credit Score : 690 - 850 (Fair - Exceptional)
We evaluate credit card options based on FICO credit scores. We ensure tailored recommendations that match your financial profile.
For more information see our FICO Recommended credit score Rating explanation here.The Citi Simplicity® Card recommends a credit score of 690 (Fair) to 850 (Exceptional). That range is from Fair to Exceptional. This range ensures eligibility for tailored benefits and rewards. It aligns with your credit profile and financial needs. Apply now to access exclusive perks designed to enhance your credit card experience.
Compare The Citi Simplicity® Card vs. Other Popular Cards
Compare credit cards effortlessly to find the ideal match for your financial goals. Explore features, rewards, fees, and more to make informed decisions and maximize your benefits. You might want cash back, travel rewards, or low APR. Our tool makes it easy. It lets you compare many cards at once.
You have comprehensive information at your fingertips. You can select the card that best fits your spending and preferences. Take control of your finances. Find the perfect credit card for your needs with our easy comparison platform.
Citi Simplicity® Card
|
American Express Blue Cash Everyday® Card
|
Chase Freedom Unlimited® Card
|
|---|---|---|
| 9.0MyCreditCardLab Score |
8.9MyCreditCardLab Score MyCreditCardLab Score 8.9We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
8.7MyCreditCardLab Score MyCreditCardLab Score 8.7We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
| ANNUAL FEE | ||
| $0 | $0 | $0 |
| INTRO APR | ||
| 0% on Purchases and Balance Transfers for first 21 months | 0% intro APR for 15 months | 0% intro APR for 15 months |
| REGULAR APR | ||
| 19.24% - 29.99% Variable APR | 19.24% - 29.99% Variable APR | 20.49% - 29.24% (V) APR after that |
| WELCOME BONUS | ||
| 0% intro APR for 21 months on balance transfers and purchases from date of account opening | $200 if you spend $2,000 in first 6 months | Get an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! |
| REWARDS | ||
| This card doesn’t offer rewards | 3% cash back on gas station, U.S. Online Retail Purchases and grocery store | Unlimited 5% cash rewards on travel and restaurants. |
| BENEFITS | ||
| Payment due date flexibility, Digital wallets | U.S. Online Retail Purchases, Gas station, Grocery store | Travel, Dining at restaurants |
| CASH ADVANCE FEE / APR | ||
| 5% (min $10) / 29.99% | 5% (min $10) / 29.99% | 5% (min $10) / 29.99% |
| BALANCE TRANSFER FEE | ||
| 19.24% - 29.99% variable APR after end Intro time | Either $5 or 3% of the amount of each transfer, whichever is greater | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| RECOMMENDED CREDIT SCORE | ||
| 690 - 850 (Fair - Exceptional) | 700 - 749 (Fair - Good) | 690 - 850 (Fair - Exceptional) |
| FOREIGN TRANSACTION FEE | ||
| 3% | 2.7% | 3% in U.S. dollars |
| BEST FOR | ||
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| More Details Compare | More Details Compare |
Citi Mastercard Login
Follow these easy steps:
Step 1. Go to the Login Citi Mastercard page via the official link.
Step 2. Log in using your username and password. The login screen appears upon successful login.
Step 3. If you still can’t access Citi Mastercard Login then see forgot your username and password option.
Frequently Asked Questions (FAQs)
Still have questions? Check out some of the top FAQs on the Citi Simplicity® credit card below and get the answers you're looking for.
The Citi Simplicity® Card charges a $5 fee or 5% of the amount transferred. It charges whichever is greater.
The Citi Simplicity does not offer any rewards.
1. Identity theft protection
2. Contactless chip technology
3. Account activity alerts
4. Zero liability fraud protection
The Citi Simplicity is a Mastercard. Virtually all merchants in the U.S. and abroad accept it. The Citi Simplicity also has other Mastercard benefits. These include zero liability. They also include global service and protection from identity theft.
