Citi Simplicity® Card

Product Description

The information shown on this page is provided by the financial institution and is believed to be accurate at the time of posting (December 22, 2015). Please click "Apply Now" above to see the most up to date terms and conditions.

Amazon receives compensation from the credit card issuer listed here. This site does not include all credit card offers.

Annual Percentage Rate
Purchase APR	0% Intro APR for 21 months from date of account opening. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.*
Balance Transfer APR	0% Intro APR for 21 months from date of first transfer, when transfer completed within 4 months from date of account opening. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.*
Cash Advance APR	Variable APR of 13.24% - 23.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.*
Minimum Interest Charge	If you are charged interest, the charge will be no less than 50 cents
Fees
Annual Fee	$0
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater.
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction Fee	3% of each purchase transaction in U.S. dollars.
Return Payment Fee	Up to $35
Other Information
Rewards Type	None
Issuer	Citibank
Network	MasterCard^(R)
Minimum Credit Quality (What's This)	Excellent

Additional Details & Restrictions

1) Offer only applies to new accounts.

2) Click the Apply now button for more details about rates, fees, and other costs.

3) Introductory rate of 0% for 21 months from date of account opening on purchases and an introductory rate of 0% for 21 months from date of first transfer for balance transfers. Balance transfers must be completed within 4 months of account opening. After the introductory period ends, 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. *Prime Rate: Variable APRs are based upon the Prime Rate as of 12/22/2015.

Important Information from Amazon

The information provided is for summary purposes only and at the time of posting is believed to be accurate. When you click on the Apply Now button you can review the current credit card and rewards terms and conditions on the financial institution's web site. Amazon is not a financial service provider and does not have any information in respect of your financial situation, your credit history or your suitability for any credit card. Please review the terms and conditions of each credit card and rewards offer carefully to determine what product may be best suited for you and your financial circumstances.

Amazon will not assist you in obtaining a credit card and does not guarantee or represent that you will receive credit.

*Amazon.com Gift Cards: Amazon.com Gift Cards are issued by ACI Gift Cards, Inc., a Washington corporation. For complete terms and conditions, see http://www.amazon.com/gc-legal. No expiration or service fees.

Customer Reviews

2.3 out of 5 stars

(15)

2.3 out of 5 stars

5 star

27%

4 star

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1 star

66%

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Top Customer Reviews

42 of 46 people found the following review helpful

5.0 out of 5 stars Great Card! October 4, 2015

By Levi B.

I used this card in order to take advantage of the 21 month no interest on balance transfers. (I didn't qualify for financial aid and had to use a different card earlier in the year to pay for college tuition. YIKES!) I've had the card for 6 months now and it has been great! The app is easy to navigate and manage. I definitely recommend.

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74 of 92 people found the following review helpful

1.0 out of 5 stars CITI IS A NIGHTMARE!!! RUN LIKE YOU ARE ON FIRE!!! December 28, 2015

By White Elephant of Westchester's REAL REVIEWS!

They have ZERO customer service. Nobody you speak to ever seems to be the right person or have the power to affect any change or answer the question you're posing. If you haven't made your payment by 48hrs prior to the due date, the endless "reminder" calls, emails and (if you were stupid enough to give them your cell phone number) texts begin to roll in...and they are nothing but a legal form of harassment.

AND THEY GIVE OUT YOUR INFO TO ANYBODY!!! I have never in my life received as much junk mail and telemarketing calls (even though my numbers are on the do not call list) as I did after opening an account with them. Every company on earth seems to be a "third-party affiliate" of these people and they are willing to sell you out to all of them. Not to mention, they themselves will call and email you nonstop about every single product/offer that pops up in the entire Citi corporation from credit card features (i.e. debt insurance, points programs, auto pay, paperless statements, etc) to bank accounts, investment services, mortgages, home loans, etc. And this is NOT targeted marketing!!! You will get info about every possible product available to anyone on earth! For example, my 19yr old niece...a typical, full time college student...was bombarded with offers for lines of credit, second mortgages, investment planning and IRA's after her parents gave her a Citi card to take to school for emergencies. They actually canceled the card because it got so insane and the texts were actually beginning to cost them money and could not be stopped with any amount of "communication preference" changes. And this story is NOT unique! The man power required to handle their marketing must be astounding, but if you need to call them for customer service, good freaking luck!!!

I have unique exposure to certain aspects of how they operate because a close friend is actually a bankruptcy attorney and has dealt with how they treat customers with any kind of problems (even if it's related to health or injury or some other completely innocent but tragic scenario) first hand: IT IS HORRIFIC. If close If you have ever had, could ever have, anticipate, worry about or think financial issues could ever effect you (i.e. If you're human) you don't want to deal with these people. They are almost blissful if you give them the chance to put your account into past due status (if only fur a day!). I think they have more staff to attack people then to help them. If are so much as 24 hours late on a payment you can expect multiple letters in the mail and your phone to ring off the hook from 7 AM until 10 PM...and continue even after you speak to them and explain the situation (i.e. Oops, tell them payment is on the way, error, emergency, etc.) as if nobody even noted the call in the system. If anything goes wrong, and payment is 30 days or more late, they will jack up your APR to 30% or more and even cancel the card abruptly and irreversibly (much more quickly than almost any other card company), leaving you with no other option than to either suffer with a crippling APR or set up a settlement with them to freeze the amount owed and establish a fixed monthly payment to clear the now closed account...this of course will DESTROY your credit rating but is the only way to get out from under a 30% APR if you do not have the money to pay off the balance quickly with a lump sum. AND then they can and will send you a form for your income tax return because the amount of debt that was settled can be considered "income"!!! For example, if you owed 6,000, but they agreed to write off 2,000, and you only have to pay 4,000 the 2,000 is considered "taxable income"!!! It's virtually the only company to go through with this step without fail.

THESE PEOPLE LIVE FOR FAILURE!!! GO WITH DISCOVER AND CAPITAL ONE AND DEAL WITH REAL HUMAN BEINGS!!!

*I am not affiliated with any company nor am I paid to post any review. Read more ›

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29 of 36 people found the following review helpful

1.0 out of 5 stars RUN! June 8, 2016

By M. Trombley

Don't apply unless you have EXCELLENT credit. They are credit snobs.

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20 of 25 people found the following review helpful

1.0 out of 5 stars Can't Find It February 13, 2016

By Janice Ann Peterson

When I applied, you were to get $100.00 back if you spent that much...now I can't find that ad anywhere!

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11 of 15 people found the following review helpful

1.0 out of 5 stars I was surprised when I was denied as my credit is great, I went ahead and called in to see ... October 29, 2016

By Amazon Customer

Got approved for the Citi bank Costco visa card and was looking to close down some old accounts and go with the Citi bank simplicity card to take care of some balance transfers. I was surprised when I was denied as my credit is great, I went ahead and called in to see why, only to my surprise I was denied due to the fact I had recently applied for the Costco visa. I didn't apply for both cards on the same day I carefully waited and check all my options, and the guy told me that was the only reason, I said well can't we have that fixed. He replied no it was denied systematically so his hands were tied. He said wait a month and apply again you will be approved, I said kiss the fattest butt u can find. Are u telling me to put two incurious on my credit back to back for something u can simply override now.

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2 of 2 people found the following review helpful

1.0 out of 5 stars Worthless！ December 22, 2016

By warren

3% fee for balance transfer is way too high. CHASE credit cards offer 0% fee.

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1 of 1 people found the following review helpful

1.0 out of 5 stars Ya, the other low reviews are correct December 17, 2016

By Brian

Thanks but no thanks! Shouldn't have applied, unless your impeccable I'd say don't waste your time applying. I'll keep my capital one cards, that's what's in my wallet.

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5 of 9 people found the following review helpful

1.0 out of 5 stars They didn't need me as a card holder, I probably work at McDonalds and steal money from the government. Representative was awful October 12, 2016

By Brittney Farrier

I have AMAZING CREDIT. Applied because I heard this was a good card, but also heard it was bad. Well, I called; finally got someone and never heard someone so rude in my life at a credit card company. STAY AWAY FROM CITI, they are crappy. LOVE MY CAPITAL ONE PLATINUM, VISA, AND GM CARD. Also love my Discover card. but this is ridiculous, I cancelled the application after I called and talked to someone else. I'll be taking my money elsewhere. LOL too bad, i use cards like crazy then pay them off, trying to get my credit to look awesome.i make payments based on how much i owe, but never just buy then go pay off, its not gonna help your credit, you make minimum payments, never late, and then you can make good 100 dollar payments or multiple payments in the same month. THAT HELPS YOUR SCORE GO UP. anyways thought I'd help people who may want some advice. :D again I have multiple accounts and always treated with respect, never late, keep getting credit increases and this is one care I'll NEVER GO FOR AGAIN. Citi (Simplicity), I'm ashamed of how crappy your customer service people have treated me.I hope she never tells someone else They don't need people to apply for their cards, and her and her friends that work with her get paid no matter what. my money that i probably make at McDonalds or steal from the government is useless to such a great company like she help to build. WOW.

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Most Recent Customer Reviews

5.0 out of 5 stars Five Stars

Finally approved!!! I've wanted this card FOREVER!!!

Published 7 days ago by S. Curtis

5.0 out of 5 stars Really simple no brainer card to get.

I have been a member for over 6 months now and haven't had any issues at all! The best part is you get all the great features like citi price rewind, rental car insurance and many... Read more