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Citi Simplicity® Card

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Citi Simplicity® Card

Disclosure: The Cards Guy partners with credit card issuers to provide information on their products. We may earn commissions from these issuers. The content on this page is independent and has not been provided, reviewed, approved, or endorsed by the companies mentioned. The opinions expressed are solely those of the author.

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Information Icon Card Overview

The Citi Simplicity® Card is a straightforward card that offers simplicity and convenience to cardholders. It is well-suited for individuals who prioritize a hassle-free credit card experience. One of the standout features of this card is its long introductory APR period, which can be beneficial for those looking to make large purchases or transfer balances without incurring interest charges for an extended time. Additionally, the card has no late fees or penalty rates, providing peace of mind for those who may occasionally miss payments. With its focus on simplicity and flexibility, the Citi Simplicity Credit Card is an excellent choice for individuals who prefer a straightforward credit card with minimal fees and a long introductory APR period.

Card Fees

Interest Rates (APR)

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Penalty APR

29.99%

Card Benefits

Purchase Protection

• Refund for damaged or stolen purchases within 90 days of purchase. • Max refund per claim: $1,000. • Max refund per account: $50,000.

Extended Warranty Protection

• Extend manufacturer's warranty by 24 months, providing coverage for up to 7 years from the purchase date. Coverage begins after the expiration of any purchased extended warranty. • Coverage is limited to the lesser of repair/replacement cost, purchase price, amount charged to Citi Card (including ThankYou Points), or $10,000 per item.

Full Advertiser Disclosure

The Cards Guy partners with a variety of credit card issuers, and we may receive compensation when you are approved for a card through our links. This compensation may influence the placement of card offers on our site, but it does not affect the articles and information we provide, which remain independent. Please note that not all credit card offers available on the market are featured on our site. We maintain advertising relationships with major credit card companies such as American Express, Bank of America, Barclays, Capital One, Chase, Citibank, Discover, HSBC, and Wells Fargo, among others. While we strive to include a comprehensive selection, our listings may not represent every offer available from these or other issuers. The opinions expressed in our content are those of the author and are not provided, commissioned, or endorsed by any credit card issuer. Responses to content may also not be reviewed, approved, or otherwise endorsed by the issuer. We aim to provide accurate and up-to-date information, but we recommend you verify all details directly with the credit card issuer and consult with a financial professional before making any decisions. Thank you for choosing The Cards Guy for your credit card research and decisions.