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No late fees and a Low Intro APR on purchases and balance transfers

Learn more about the benefits that come with the Citi Simplicity® Card, the only credit card with no late fees, no penalty rate and no annual fee – ever.1

Balance Transfer Fee: Either $5 or 3% of the amount of each credit card balance transfer, whichever is greater.1

Save time, just say "representative" when you call, to enjoy fast personal help.

No Annual Fee1

Savings

Citi Price Rewind
Citi Price Rewind can help get you a lower price after you buy. Register an item you purchased with your card and we will track prices at hundreds of online merchants for 60 days from your purchase date. If we find a lower price you can request a refund of the price difference, up to $300 per item and up to $1,200 per calendar year.

Security

Citi® Identity Theft Solutions
Identity theft can happen to anyone. If it happens to you, Citi® Identity Theft Solutions can help you resolve the matter and get your life back on track. We assist you with identifying compromised accounts, filing police reports and taking steps to get your good name and good credit back.

Travel Protection

EMV Chip Technology
Enjoy global acceptance and enhanced security when you use your credit card at merchants that use chip enabled terminals to accept your payment.

Worldwide Car Rental Insurance
Be more confident at the rental car counter — you may be covered against theft or damage up to $50,000 for any rental car in any country when you pay with your Citi card and decline the rental company's collision loss/damage insurance.

Travel & Emergency Assistance*
If you need assistance before or during a trip, services are available 24/7 for emergency travel arrangements, travel issues, medical and legal referrals and much more. You won't have to scramble to find services close to your location or worry about asking for help when you don't speak the language.

Purchase Protection

Extended Warranty*
Add up to a year on your warranty of five years or less so you can feel more confident when you make purchases with your Citi card. You may be covered for up to $10,000 per calendar year.

$0 Liability on Unauthorized Charges
You're completely protected against unauthorized charges on your account. At Citi, you will not be responsible for a charge that you did not authorize, online or otherwise.

Convenience

24/7 Customer Service
Questions about your Citi® card account? Just call the number on the back of your credit card. Just say 'representative' to access fast, live help from a friendly Customer Service representative ready to help with virtually every aspect of your cardmembership (including technical assistance) ––24 hours a day, 365 days a year.

Automatic Account Alerts
Alerts keep you informed and stress-free. Once you've set up alerts, we'll remind you about your balance levels, payments due, or when you go over your credit limit, by email or directly on your mobile phone.

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.

Citi with Apple Pay
is another way Citi provides quick and easy payments. With a simple touch you can pay in-app or at over 200,000 stores with the iPhone® 6, or in-app with the iPad Air 2 and iPad mini 3. Plus, you’ll still enjoy all of the security and benefits that come with your Citi card when you use Apple Pay to check out. Learn more at Citi.com/ApplePay

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

CITI SIMPLICITY® TERMS & CONDITIONS

Introductory rate of 0% for 21 months from date of account opening on purchases and for 21 months from date of first transfer for balance transfers completed within 4 months of account opening. After that, the standard purchase APR will be applied to unpaid introductory balances, new purchases and new balance transfers. The standard variable APR for purchases and cash advances is 13.24%, 16.24%, 19.24%, 21.24%, or 23.24%, based on your creditworthiness. Minimum interest charge – $0.50. Fee for foreign purchases – 3% of the U.S. dollar amount of each purchase. Cash advance fee – either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee – either $5 or 3% of the amount of each transfer, whichever is greater. New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.

Not all benefits are available to residents outside of the 50 United States and the District of Columbia. Complete program details including Who's Covered, What's Covered, What's Not Covered and coverage amounts will be provided upon cardmembership.

*Benefits underwritten and administered by IDS Property Casualty Insurance Company, De Pere, WI.

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