The Citi Simplicity Card, issued by Citi, is a Mastercard credit card made of plastic.
Card Details
| Citi Simplicity® Card | |
|---|---|
| Network / Tier | Mastercard · Mastercard |
| Issuer | Citi |
| Annual Fee | $0.00 1st |
| Foreign Transaction Fee | 3.0% 161st |
| Authorized User Fee | $0.00 1st |
| Min. Credit Line | $500 94th |
Welcome Offer
| Bonus | Cash |
| Min. Spend | $0 |
| Timeline | 0 days |
| Efficiency | None |
| Cash Value | — |
| Portal Value | — |
| Transfer Value | — |
Rewards Breakdown
| Base Rate | 0.00x |
| Anniversary Bonus | None |
Pricing Details
| Purchase APR | 25.74%–36.49% |
| Cash Advance APR | 36.99% 112th |
| Cash Advance Fee | 5% 14th |
| Balance Transfer Fee | 3% 1st |
| Late Fee | None |
| Return Payment Fee | Up to $41 180th |
| Min. Interest | $0.50 1st |
| Grace Period | 23 days 120th |
| Penalty APR | None |
| Intro APR Period | None |
Benefits & Partners
| Transfer Partners | None |
| Annual Credits | None |
| Partnership Benefits | None |
Strategy & Eligibility
| Min. Credit Score | 700+ |
| Recommended Range | Good to Excellent |
| Chase 5/24 Rule | No |
| Lifetime Restriction | None |
| Active Family Restriction | Yes (The 8/65 Rule: Citi allows a maximum of 1 card approval in 8 days, and 2 in 65 days.) |
| Closure Grace Period | None |
| Credit Reporting | Experian, Equifax, TransUnion |
| Product Lifecycle | Available (15y ago) |
Access & Resources
| Digital Wallets | Apple Pay, Google Pay, Samsung Pay |
| Customer Service | Unverified |
| Instant Use | No |