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.

Automatic Alerts

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.

Entertainment Access

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.
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