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Security Center - Learn more about identity theft and fraud.

Keep it Simple with No Annual Fee & a Low Intro APR on Balance Transfers

With the Citi Simplicity® credit card, take advantage of a low intro APR on credit card balance transfers and purchases. Plus, keep it simple with no late fees, no penalty rate and no annual fee – ever. Apply for the Citi Simplicity® credit card today and experience all the benefits it has to offer.

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

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

No Annual Fee

Pricing Details

Protection

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.

Purchase Protection

$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® Cards 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 miniTM 3. Plus, you'll still enjoy all of the 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, Apple Pay, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries.

CITI SIMPLICITY® CARD PRICING DETAILS

Introductory rate of 0% The standard variable APR for purchases and cash advances is 15.74% - 25.74%, based on your creditworthiness. Please note that these rates will vary with the Prime Rate. 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 5% 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.

Certain terms and conditions apply. Coverage details will be provided upon card membership or you can visit
www.cardbenefits.citi.com.

Pricing & Information Additional Information
What others are saying about this card:

Please note that the terms and benefits of this product may change over time.

Citi does not guarantee the accuracy of these reviews. Benefits, fees, terms, and offers mentioned in reviews may change over time.

Keep it Simple with No Annual Fee & a Low Intro APR on Balance Transfers

With the Citi Simplicity® credit card, take advantage of a low intro APR on credit card balance transfers and purchases. Plus, keep it simple with no late fees, no penalty rate and no annual fee – ever. Apply for the Citi Simplicity® credit card today and experience all the benefits it has to offer.

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

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

No Annual Fee

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® Cards 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 miniTM 3. Plus, you'll still enjoy all of the 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, Apple Pay, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries.

Rating and Reviews

Citi does not guarantee the accuracy of these reviews. Benefits, fees, terms, and offers mentioned in reviews may change over time.

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