Citi Simplicity® Card


  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - Ever
  • No penalty rate - Ever
  • No annual fee - Ever
  • Save time when you call with fast, personal help, 24 hours a day.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Good Credit Personal $0* 0.00% for 18 Months 0.00% for 18 Months 12.99% - 21.99%* (Variable) None
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Citi Simplicity® Card Quick Summary:
This Mastercard offer is issued by Citibank. This card is intended for consumers, or "personal use" with a good to perfect credit history. Rates may vary among applicants, however the lowest standard APR is 12.99%* and may be as high as 21.99%* (Variable)*, depending on your credit worthiness*.

Important Rates:
There is a introductory balance transfer offer APR of 0.00% for 18 Months*. There is also a purchase introductory APR of 0.00% for 18 Months*. Be cautious that some card issuers may charge higher rates and fees for cash advances.

There is no annual fee for this card.*

Rewards:
This is not a rewards card.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO credit score of 716 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Citibank product.

Other Basics:
The grace period listed for the Citi Simplicity® Card is at least 23 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

This card contains the brand of Mastercard, where acceptance is global. Most businesses that accept credit cards will accept Mastercard as a form of payment (subject to available credit).

Approval Rate:
There was 1 person that reported the application status to us after applying. The applicant was approved. Helpful qualification information, including credit scores, rates, household income and more was reported.

This card has a very poor approval or acceptance rate. Since this is a card for good credit, there may be a strict standard for qualifications, including credit record and income level. Furthermore, if your FICO score is close to or higher than 716, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 80% of 5 users recommend this card.

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