Citi Simplicity® Credit Card

Key facts

Annual fee

$0

Purchase APR

17.49% - 28.24% variable APR

Network

MASTERCARD

Benefits and perks

• Does the Citi Simplicity® Credit Card offer any rewards? The Citi Simplicity® Credit Card does not earn rewards. It is the only Citi card that offers no late fees, no penalty rate and no annual fee.
• Is the Citi Simplicity® Credit Card a Visa or Mastercard®? The Citi Simplicity® Credit Card is issued on the Mastercard® network and provides Cardmembers with exceptional value through its low intro APR, no late fees, no penalty rate and no annual fee - ever.
• Does Citi charge late fees on the Citi Simplicity® Credit Card? No, Citi does not charge late fees on the Citi Simplicity® Credit Card — it's one of the many great perks of being a Citi Simplicity® Cardmember.
• What are the fees associated with the Citi Simplicity® Credit Card? Some of the key benefits of the Citi Simplicity® Credit Card are that it does not charge an annual fee1 and there are no late fees. However, cardholders may be charged other fees such as balance transfers, cash advances and foreign purchase transactions. Full information about these fees can be found in the documentation that comes with your card.
• Does the Citi Simplicity® Credit Card have an annual fee? No, the Citi Simplicity® Credit 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.
• Who is the Citi Simplicity® Credit Card best for? The Citi Simplicity® Credit Card may be a strong fit if you’re looking to manage balances with a low intro APR and prefer a straightforward card without late fees, a penalty rate or an annual fee.
• Does the Citi Simplicity® Credit Card have a penalty APR? No. The Citi Simplicity® Credit Card does not have a penalty APR, even if a payment is missed.
• What credit score is recommended for the Citi Simplicity® Credit Card? Approval for the Citi Simplicity® Credit Card depends on several factors, not just credit score. These factors include credit history, income and overall creditworthiness.

Questions about the Citi Simplicity® Credit Card