Citi Simplicity® Credit Card
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Purchases
Get a % Intro APR for months on purchases from date of account opening; after that, the variable APR will be %- % based on your creditworthiness.1
Intro APR1
% for months
on purchases and balance transfers from date of account opening
Variable APR after intro rate expires1
% - %
on purchases and balance transfers based on your creditworthiness
Intro balance transfer fee1
% ($ minimum)
of each transfer, completed within first months of account opening
Balance transfer fee after intro rate expires1
% ($ minimum)
of each transfer
Citi® Merchant Offers
$0 liability on unauthorized charges
Citi® Flex Pay
Access FICO® Score
Free access to your FICO® Score online to review your credit history.
Mastercard® ID Theft Protection
The ID Theft Protection program offered by Mastercard® helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins.
Visit mastercardidps.idprotectiononline.com to learn more.
Citi Entertainment®
Citi Entertainment® is an entertainment access program available to eligible Citi® credit card and Citibank® Debit Card customers. Citi cardmembers get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences to the year's most anticipated concerts, sporting events, arts and culture experiences.
Citi® Quick Lock
Misplaced your card? Use Citi® Quick Lock in the Citi Mobile® App or at citi.com to instantly block new charges while allowing recurring transactions to continue without disruption.
24-hour fraud protection
Citi will alert you if we see unusual activity on your account.
Mastercard® ID Theft Protection
The ID Theft Protection program offered by Mastercard® helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins. Visit mastercardidps.idprotectiononline.com to learn more.
Chip-based card technology
Chip card technology keeps the same card number but provides you with security and global acceptance.
Automatic account alerts
Stay updated on balance, payments or credit limits via email or text.
Choose your payment due date
Choose to pay your bill on any available due date in the beginning, middle or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.
Add Authorized Users
Add an Authorized User to your account at no additional cost.
24/7 customer service
To save time and manage your account from anywhere, download the Citi Mobile® App. You can handle most of your banking needs right from your phone, 24/7.
Paperless statements and e-communications
Reduce clutter and get your statements and most legal notices online instead of in the mail.
Access FICO® Score
Free access to your FICO® Score online to review your credit history.
Citi Mobile® App
Manage your money when you want, where you want and the way you want. It's how Citi digital services help you get the most out of your time.
Digital Wallets
Digital Wallets let you shop with confidence in millions of places online, within apps and in stores. With digital wallets you can speed through checkout and continue to enjoy all the great benefits that come with your card. Learn how to get started and how digital wallets can help protect your card information at citi.com/digitalservices.
Contactless pay
Shop safely with a contactless, chip-enabled card. Just tap your card on the payment reader and go in seconds.
Citi® Flex Pay
Pay over time with a fixed monthly payment. Available on eligible purchases of $75 or more using an eligible Citi® credit card.2
Citi Entertainment®
Citi Entertainment® is an entertainment access program available to eligible Citi® credit card and Citibank® Debit Card customers. Citi cardmembers get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences to the year's most anticipated concerts, sporting events, arts and culture experiences.
Citi Travel®
With Citi Travel®, you can book flights, hotels, car rentals and attractions using your eligible Citi card. Citi Travel offers access to over 1.4 million hotels and resorts available worldwide.
FAQs
The Citi Simplicity® Credit Card offers cardmembers exceptional benefits that helps keep things simple, because we know there are much more important things in life. As a result, Citi Simplicity® Credit Card offers:
Other great benefits include: Merchant Offers, Flex Pay2, flexible payment due date, free access to your FICO® Score and $0 liability on unauthorized charges.
We weren't kidding when we said we like to keep things straightforward.
The Citi Simplicity® Credit Card is issued on the Mastercard® network, giving cardholders access to Mastercard benefits including Mastercard® ID Theft Protection. Additionally, the Citi Simplicity® Credit Card provides cardmembers with exceptional value through its low intro APR, no late fees, no penalty rate and no annual fee — ever.1
The Citi Simplicity® Credit Card may be a strong fit if you're looking to make purchases with a low intro APR and prefer a card without late fees, a penalty rate or an annual fee.1
Approval for the Citi Simplicity® Credit Card depends on several factors, not just credit score. However, it's generally recommended to have good to excellent credit when applying for the Citi Simplicity® Credit Card.
No, the Citi Simplicity® Credit Card does not have a penalty APR, even if a payment is missed.1
No, Citi does not charge late fees on the Citi Simplicity® Credit Card — it's one of the many great perks of being a Citi Simplicity® cardmember.1
No, the Citi Simplicity® Credit Card does not have an annual fee — ever.1 It's one of the many ways we keep things straightforward.
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.1
CITI SIMPLICITY® CREDIT CARD
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1Citi Simplicity® Credit Card Pricing Details
% Intro APR for months on purchases and balance transfers from date of account opening; after that, the variable APR for unpaid promotional balances, new purchases, and new balance transfers is % - %, based on your creditworthiness. For Citi Flex Plans subject to an APR, the variable APR is % - %, based on creditworthiness. For Citi Flex Pay Plans subject to a Plan Fee, a monthly fee of up to % will apply, based on the Citi Flex Plan duration, the APR that would otherwise apply to the Transaction, and other factors. The variable APR for cash advances is %. Minimum interest charge — $. Annual fee — . Fee for foreign purchases — % of the U.S. dollar amount of each purchase. Cash advance fee — either $ or % of the amount of each cash advance, whichever is greater. Balance transfer fee — intro fee of % of each transfer ($ minimum) completed within the first months of account opening. After that, % of each transfer ($ minimum).
New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.