Name: Citi Simplicity® Credit Card with introductory APR | Citi.com
Brand: Citi
Rating: 4.6 (7078 reviews)

Question 1

Does the Citi Simplicity ® Card offer any rewards?

Accepted Answer

The Citi Simplicity® Card does not earn rewards. It is the only Citi card that offers no late fees, no penalty rate and no annual fee.1

Question 2

How do I apply for a Citi Simplicity ® Card?

Accepted Answer

Just like the name of the card itself, the application process for the Citi Simplicity Card was designed to be straightforward. Learn more and apply online.

Question 3

How do I make a balance transfer onto the Citi Simplicity ® Card?

Accepted Answer

If you have a balance transfer offer on your Simplicity® Card, follow these steps: After receiving your Citi Simplicity® Card, you can call the customer service number located on the back of your card to transfer balances. Balance transfer offers can be a promotional rate or at the standard purchase rate. If you took a balance transfer with your application, it takes a minimum of 14 days to process after your Citi Simplicity® Card account is opened. During this time, you may cancel or modify your balance transfer request by calling the customer service number located on the back of your Citi Simplicity® Card. You may transfer any type of balance, but the total amount of your balance transfer (including balance transfer fees) must be less than your available credit limit. Please ensure you do not transfer any disputed purchases or other charges, because you may risk losing your dispute rights. You cannot transfer balances from other accounts issued by Citi® or its affiliates. If you are unsure of the issuer on your account, please review a list of Citi® products and its affiliates here. You are asked to continue to make payments on your other accounts until it is confirmed that the transferred balance was received by them. Once approved, Citi® will pay the balance transfer amount directly to the issuer. At this time, the available credit limit on your new Citi Simplicity® Card will reflect a reduction of the total amount of balance transfers, including applicable fees.

Question 4

How long does the Citi Simplicity ® Card have a low intro APR for?

Accepted Answer

One of the exciting Citi Simplicity® Card introductory perks is its low intro APR on balance transfers and purchases. The maximum length of the low intro APR offer may vary depending on the time of application as well as the applicant’s creditworthiness. Plus, the Citi Simplicity® Card has no annual fee - ever, which is one of the many ways it keeps things simple.1

Question 5

Is the Citi Simplicity ® Card a Visa or Mastercard ® ?

Accepted Answer

The Citi Simplicity® Card is issued on the Mastercard® network and provides Cardmembers with exceptional value through its low intro APR, no late fees, no penalty rate and no annual fee - ever.1

Question 6

Does the Citi Simplicity® Card have a foreign transaction fee?

Accepted Answer

Yes, the Citi Simplicity® Card does charge a foreign transaction fee, which is % of the U.S. dollar amount of each purchase. But with no late fees and no penalty rate, Cardmembers can enjoy more peace of mind.1

Question 7

Is there a balance transfer fee associated with the Simplicity® Card?

Accepted Answer

Yes, there is a balance transfer fee associated with the Citi Simplicity® Card. Balance transfers will have a fee of either $5 or 5% of the amount of each transfer, whichever is greater1.

Question 8

What is the Citi Simplicity® Card balance transfer offer?

Accepted Answer

Just like the name of this credit card, the Citi Simplicity® Card was designed to be straightforward for its Cardmembers. Among other great benefits, it offers a low introductory APR on balance transfers and purchases. See the latest Simplicity offer.

Question 9

Is there a period with no interest charge on purchases and balance transfers with the Citi Simplicity® Card?

Accepted Answer

Yes1. See the latest Simplicity offer. One of the exciting ways the Citi Simplicity® Card celebrates new Cardmembers is through introductory perks like its low intro APR on purchases and balance transfers.

Question 10

Is there a balance transfer limit on the Citi Simplicity® Card?

Accepted Answer

Citi Simplicity® Card members are eligible to transfer any balance amount, as long as the total amount of their balance transfer to their Citi Simplicity® Card (including balance transfer fees) is less than their available credit limit.

Question 11

Does Citi® charge late fees on the Citi Simplicity® Card?

Accepted Answer

No, Citi does not charge late fees on the Citi Simplicity® Card — it's one of the many great perks of being a Citi Simplicity® Cardmember.1

CITI SIMPLICITY^® CARD

Enjoy a low Intro APR credit card with no late fees – ever¹

Low intro APR on balance transfers for months

Low intro APR on purchases for months

And more…