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Citi Simplicity® Card — Frequently Asked Questions

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If you're looking for a credit card that offers you a great low intro rate, then the Citi Simplicity® Card is just what you need. The Citi Simplicity® credit card offers no late fees, no penalty rate and no annual fee — ever.1

Read our responses below to find the answers to the most frequently asked questions about one of Citi's most popular credit cards.


Yes, the Citi Simplicity® Card does charge a foreign transaction fee, which is 3% 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

Yes, there is one associated with the Citi Simplicity® Card.1

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 Citi Simplicity offer here.

One of the exciting ways the Citi Simplicity® Card celebrates new Cardmembers is through introductory perks like its low intro APR and balance transfers. Learn more about the latest offer for the Citi Simplicity® Card.

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.

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

Some of the key benefits of the Citi Simplicity® Card is that it does not charge an annual fee and there are no late fees. Other fees associated with this credit card include1:

  • Balance Transfer Fee
  • Cash Advance Fee
  • Foreign Purchase Transaction Fee
  • Returned Payment Fee

Find out more information about the Citi Simplicity® Card.

It's very straightforward to open a Citi Simplicity® Card account. Learn more and apply online.

The Citi Simplicity® Card offers Cardmembers exceptional benefits that helps keep things simple, because we know there are much more important things in life. As a result, Citi Simplicity® Card offers1:

  • No late fees
  • No penalty rate
  • No annual fee — ever

Other great benefits include:

  • Flexible payment due date
  • 24/7 direct-to-rep customer service
  • $0 liability on unauthorized charges

We weren't kidding when we said we like to keep things straightforward.

No, the Citi Simplicity® Card does not have an annual fee — ever.1 It's one of the many ways we keep things straightforward with this credit card for our Citi Simplicity® Cardmembers.

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