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Security Center - Learn more about identity theft and fraud.

With the Citi Simplicity® credit card, take advantage of % APR intro rate on credit card balance transfers and purchases when you open an account. 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 3% 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
Citi Simplicity® Card

Keep it Simple With Citi Simplicity® — No Annual Fee* & a Low Intro APR on Balance Transfers

With the Citi Simplicity® credit card, take advantage of % APR intro rate on credit card balance transfers and purchases when you open an account. 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 $ or % 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*

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.

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.

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.

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.

Tap Your Card With Contactless Pay
Shop safely with a contactless-chip enabled card. Just tap your card on the payment reader and go in seconds.

*CITI SIMPLICITY® CARD PRICING DETAILS

Introductory rate of 0% The standard variable APR for purchases is 14.74% — 24.74%, based on your creditworthiness. The standard variable APR for Citi Flex Plan is 14.74% — 24.74%, based on your creditworthiness. The standard variable APR for cash advances is %. 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 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.

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

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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.