See Citi Simplicity Terms and Conditions for Details
No late fees ever
We won't charge you late fees or a penalty rate just because you missed a payment due date.
0% Intro APR for 18 months
0% intro APR on purchases and balance transfers for 18 months.
After that, a variable 12.99% – 21.99% APR based on your creditworthiness.
Balance transfers must be completed within 4 months of account opening.
Each balance transfer incurs a fee of 3% of the amount transferred ($5 minimum).
Save time when you call
Just say "representative" when you call, to enjoy fast, personal help, 24 hours a day.
Set up alerts and we'll remind you about your balance levels,
payments due or when you go over your credit limit,
by email or directly on your mobile phone.
Citi is here to help when you are traveling with protection benefits offered to cardmembers.
For access to the best in live music, sports, dining, family entertainment and more,
look no further than Citi® Private Pass® –
included with your Citi Simplicity Card.
Show more benefits
Citi Simplicity Terms & Conditions
Introductory rate of 0% for 18 months from the date of account opening on purchases and 0% introductory APR for 18 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 promotional balances, new purchases and new balance transfers. The standard variable APR for purchases and cash advances is 12.99%, 17.99% or 21.99%, based on your creditworthiness. Minimum interest charge – $0.50. Fee for foreign purchases – 3% of the U.S. dollar amount of each purchase made outside the U.S. Cash advance fee – 5% of cash advance amount, $10 minimum. Balance transfer fee – 3% of balance transfer amount, $5 minimum. New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.