| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Purchases
The Citi Simplicity Card does not earn any rewards, points, miles, or cash back on purchases; it is designed as a balance transfer and low-interest card with no rewards program.
|
0x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
0% Introductory APR on Balance Transfers
New cardmembers receive a 0% introductory APR on balance transfers for 21 months from the date of account opening; balance transfers must be completed within 4 months of account opening to qualify. A standard variable APR applies after the intro period.
|
Financial | 0% intro APR for 21 months |
|
0% Introductory APR on Purchases
New cardmembers receive a 0% introductory APR on purchases for 12 months from the date of account opening; a standard variable APR applies after the intro period.
|
Financial | 0% intro APR for 12 months |
|
Citi Flex Pay
Eligible purchases of $75 or more can be split into fixed monthly payments using Citi Flex Pay with no application or credit check required.
|
Financial | Complimentary |
|
Flexible Payment Due Date
Cardmembers can choose their billing due date from available dates at the beginning, middle, or end of the month.
|
Financial | Complimentary |
|
No Annual Fee
The Citi Simplicity Card carries no annual fee.
|
Financial |
$0
Up to $0
|
|
No Authorized User Fee
Cardmembers can add authorized users to the account at no additional cost.
|
Financial |
$0
Up to $0
|
|
No Late Fees Ever
The Citi Simplicity Card never charges a late payment fee, regardless of how many times a payment is late.
|
Financial |
$0 late fees
Up to $0
|
|
No Penalty APR
The Citi Simplicity Card never applies a penalty APR for late or returned payments; the standard variable APR applies at all times.
|
Financial | No penalty rate |
|
24/7 Customer Service
Live customer service representatives are available 24 hours a day, 365 days a year by calling the number on the back of the card.
|
Other | Complimentary |
|
Automatic Account Alerts
Cardmembers can opt into automatic alerts via email or text for balance updates, payment reminders, and credit limit notifications.
|
Other | Complimentary |
|
Citi Mobile App
Cardmembers can manage their account, view balances, make payments, and access card features anytime through the Citi Mobile App.
|
Other | Complimentary |
|
Digital Wallet Compatibility
The card is compatible with major digital wallets enabling contactless payments online, in-app, and in stores.
|
Other | Complimentary |
|
Free FICO Score Access
Cardmembers receive complimentary online access to their FICO Score to help monitor and understand their credit history.
|
Other | Complimentary |
|
Paperless Statements
Cardmembers can opt into paperless statements and electronic communications to receive statements and most legal notices online.
|
Other | Complimentary |
|
Pre-Qualification Tool
Prospective applicants can check if they are pre-qualified for the Citi Simplicity Card online with no impact to their credit score before formally applying.
|
Other | Complimentary |
|
$0 Liability on Unauthorized Charges
Cardmembers are not responsible for unauthorized charges made on their account, providing full protection against fraudulent use.
|
Security |
$0 liability
Up to $0
|
|
24-Hour Fraud Protection
Citi monitors the account around the clock and alerts cardmembers if unusual activity is detected.
|
Security | Complimentary |
|
Citi Quick Lock
Cardmembers can instantly block new charges on a misplaced card via the Citi Mobile App or citi.com while allowing existing recurring transactions to continue.
|
Security | Complimentary |
|
EMV Chip Technology with Contactless Pay
The card includes chip-based technology with tap-to-pay capability for enhanced security and global acceptance at contactless payment terminals.
|
Security | Complimentary |
