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Citi Credit card
Citi Simplicity® Card
No rewards
MASTERCARD
Apply for Citi Simplicity® Card

On Citi's secure site

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Credit card Citi Mastercard

Card review

Citi Simplicity® Card

3.9 3.9 out of 5 7.8/10 DebitCue Score Verified

No late fees ever — ideal for balance transfers and debt paydown.

Fee
No fee
Purchase APR
17.49% - 28.24%
Interest-free
-
Foreign fee
3%

Our verdict

What stands out, and where it falls short.

What we like

  • No card fee
  • Pay in installments

Worth weighing

  • 3% foreign transaction fee
  • No rewards programme

Who It Is For

Whether the Citi Simplicity® Card fits how you actually spend.

Pick it if you are

  • Anyone who wants a low-cost everyday card
  • People who pay big purchases off over time

Skip it if you are

  • Frequent international travelers
  • Rewards-chasers

Rates and fees

As of

All amounts shown in USD.

Card fee
No fee
Purchase APR
17.49% - 28.24%
Interest-free period
-
Foreign transaction fee
3%
Purchase APR
17.49%–28.24% variable
Intro Balance Transfer APR
0% for 21 months (3% intro BT fee, then 5%)
Intro Purchase APR
0% for 12 months
Annual Fee
$0
Foreign Transaction Fee
3%

Rewards and features

Installments
Citi Flex Pay available
Pay with
Apple Pay, Google Pay, Contactless, Virtual card

Benefits and perks

Extras that come bundled with the card.

  • No Late Fees Ever
    Citi Simplicity never charges a late payment fee or a penalty APR — a rare feature among US credit cards.

Citi Simplicity® Card: your questions answered

Does the Citi Simplicity® Card have a card fee?
No - the Citi Simplicity® Card has no card fee.
Does the Citi Simplicity® Card charge foreign transaction fees?
Yes - the Citi Simplicity® Card charges a 3% foreign transaction fee.
What is the interest rate on the Citi Simplicity® Card?
The Citi Simplicity® Card has a purchase APR of 17.49% - 28.24%.
Can I pay in installments with the Citi Simplicity® Card?
Yes - Citi Flex Pay available.
Is the Citi Simplicity® Card a credit, debit or prepaid card?
The Citi Simplicity® Card is a credit card issued by Citi on the Mastercard network.
Does the Citi Simplicity® Card support Apple Pay and Google Pay?
Yes - the Citi Simplicity® Card works with both Apple Pay and Google Pay.
Where can I get the Citi Simplicity® Card?
The Citi Simplicity® Card is currently offered in United States.
How does DebitCue rate the Citi Simplicity® Card?
DebitCue rates the Citi Simplicity® Card 3.9 out of 5 (7.8/10), scored on the same factors as every card - fees, rewards, perks and ease of use.
How do I apply for the Citi Simplicity® Card?
Use the Apply now button to continue on Citi's secure site. Comparing and applying through DebitCue is free.

Before you decide

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