Want a credit card to use for your daily purchases and with no towering fees and charges? One valuable credit card to have is the Citi Simplicity Card.

It’s a low-rate card for low to moderate spenders, with more breathing space because of the ‘no penalty rate’ promotion. Expect no added fees and charges each month, as long as you pay your balances in full.

If you want to learn more about how you can apply for this credit card, read on.

Image source: citi.com

Features and Benefits of the Citi Simplicity Card

Citi offers loads of credit cards for different types of consumers. There’s always something for everybody, like a cash back card, travel card with miles, premier and reward cards.

In this article, we will look closely into the Citi Simplicity Card and detail its features.

One of the best things about owning this credit card is the unbelievable low intro APR on balance transfers and purchases.

For 21 months, you can enjoy ZERO interest rate on transferring balances to this card. You probably want to take advantage of this, especially for your purchases. You can pay in installment and not get any charge.

Security Features

For security, know that you will not be liable for unauthorized transactions of your credit card. Pay completely nothing for purchases you are not aware of. Since fraud and hacking of account details are possible nowadays, it’s important to know if the bank can provide you with optimum protection.

With Citi, you are in good hands because they provide a Purchase Protection. They also have 24/7 customer service support in case you want to report a problem with your card.

Although this card isn’t powered by Visa or Mastercard, you can enjoy global acceptance with the EMV chip technology. Just find merchants that use chip-enabled terminals to accept your payment. Using this card, you can pay for groceries, gas, airline tickets, entertainment pass and more.

In case you have hectic financial responsibilities each month, Citi lets you choose the due date of your Citi Simplicity Card. Have the flexibility of paying for your balances and earning no interest on top of your bill.

Citi Simplicity Card Application

To get this card, you will need to visit the Citibank’s website and submit an application online. Provide your personal information, annual income, complete address, and mortgage details. To qualify, you must be at least 18 years of age, have a steady income and a legal US resident.

For the credit limit, take note that the bank is the one to set the amount and not you. The limit ranges from $500 to $1,500 or higher, depending on your annual salary, debt, and your credit report.

Fees and Charges of the Citi Simplicity Card

As a responsible cardholder, you need to pay your dues on time to prevent charges and penalties. Although this credit card doesn’t issue an annual fee and late payment fee, take note that you are charged 5% of the total amount of each transaction for a balance transfer.

A foreign purchase transaction fee of 3% is also added on your bill if you used this card abroad. For a cash advance, you are charged 5% of the amount of each cash advance.

For the interest rate, you are charged 5.25% of the overall balance.

Bank Address

Citibank headquarters are located at 388-390 Greenwich St. New York, NY 10013 U.S.


Get this credit card today and enjoy purchases without the towering fees. It’s truly a powerful card to have if you like shopping, traveling, and dining in restaurants.

Note: There are risks involved when using credit products. Consult the bank’s terms and conditions before applying.