Citi Simplicity® Card: the ultimate hassle-free credit card

The Citi Simplicity® Card is an innovative development of the credit card industry, which has a unique feature – simplicity of use and convenience. The first card features no annual fee, no late fee, and no penalty rate so that you can focus on the main purposes of the membership.


The ultimate key benefits

No annual fee, late fees, or penalty rates:

Low introductory APR on balance transfers and purchases:

  • Customers will be thrilled with a minimal starting APR, which grants better balance and finance management x rates.

Flexible payment due date:

It allows the willing customer to set up a due date that is convenient for their financial plan. In this way, the customer can fit the card payments into their budget.


24/7 customer service:

  • The fluid and unlimited customer service not only guarantees card users help whenever they are in need but also ensures ease when using the card for their transactions.

$0 liability on unauthorized charges:

  • Consumers who hold the card will not run into problems of fraudulent charges or criminal behaviors that could result in losses and worries.

No late fees:

  • The card also does not have late fee charges, this creates a convenient environment for cardholders to have an easy time with paying and does not have to be bothered with extra charges.

Enhance your shopping experience with contactless pay and digital wallets

Now, paying for your purchases is simpler and safer than ever. With our contactless chip card, simply tap on the payment reader and you’re ready in seconds. Furthermore, our digital wallets offer the confidence to shop at millions of online places, within apps, and in physical stores.

Digital wallets not only streamline the payment process but also expedite checkout, allowing you to quickly enjoy all the benefits of your card. And best of all, they help protect your financial information.

Learn More and access Citi Mobile App.



To apply for the Citi Simplicity Card, you must be at least 18 years old and a resident of the US or its territories. However, in the case of American territories, you must be at least 21 years old. Terms and conditions apply to all products and services.

Citibank reserves the right to make final decisions about your eligibility. You need to prepare information such as education and employment that is verifiable and credible when applying.

About Citibank

Citibank is a worldwide well-known bank, that has been working with clients for approximately 200 years in almost 160 countries. Citibank is associated with a strong reputation for supplying straightforward and transparent financial solutions. It presents a collection of banking products and services that include the Citi Simplicity ® Card in particular. Learn More.


Who is the Citi Simplicity® Card for?

The Citi Simplicity® Card has been precisely designed for customers who are focused on simplicity when it comes to using their credit cards. It’s designed for those who give importance to free annual fees, free late fees, and cheap late payment rates as well.

Step-by-step instructions to apply for the card

  1. Visit the official Citi Simplicity® Card page here;
  2. Click on the “Apply Now” button;
  3. Fill out the application form with your personal information;
  4. Apply for review;
  5. If approved, you’ll receive your card by mail within a few weeks.

Positives and negatives of the card


  • No annual fees, late fees, or penalty rates;
  • Low introductory APR on balance transfers and purchases;
  • Flexible payment due date;
  • 24/7 customer service.


  • Balance transfer and cash advance fees.;
  • Regular APR can be high based on creditworthiness.

How to unlock the Citi Simplicity® Card?

After receiving your card, call the customer service number on the back of the card to activate it. Or to unlock your Citi Double Cash® Card after receiving it, follow these steps:

  • Find the number in the package and insert it on the back of your card or go to the activation site online.
  • Register with your Citi online account by accessing the website and choosing “Register your card” on the menu bar.
  • Get the username and password by clicking on the prompt.
  • When your online account is all established, use your card and log in to it to check your balance, transactions, and rewards.

Fees and tariffs

  • Annual fee: none;
  • Cash advance fee: either $10 or 5% of the amount of each cash advance, whichever is greater;
  • Foreign purchase transaction fee: 3% of each transaction in every dollar to be pumped into the exchange rate.

Balance transfer fee – the introductory fee comes in two types:

  • $5 or whichever is higher out of 3% from the amount of the entire amount of transfer which is done within 4 months after the start of the account function. Secondly, your fee can be either $5 or 5% of the total amount which is whichever happens to be greater.


  • 0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, variable APR will be 19.24% – 29.99%, based on your creditworthiness;
  • Introductory balance transfer fee of $5 or 3% of the transfer amount, whichever is greater, for transfers completed within 4 months of account opening;
  • Thereafter, the balance transfer fee will be $5 or 5% of the transfer amount, whichever is greater.

Find out more details about the card’s rates and fees by clicking here.


Customer service

  • Contact us;
  • Mailing addresses;
  • Citi mobile app;
  • General support for Citi Cards: 1-800-950-5114;
  • General support & servicing for costco anywhere Visa® Business Card: 1-855-378-6467;
  • Collections servicing costco: 1-855-378-6468;
  • Collections servicing cards: 1-855-805-5486.

Final words

Citi Simplicity® is a card that is simple to understand and doesn’t have many complexities associated with it which is great for residents in the USA who want to keep their card use uncomplicated.

In contrast to the usual annual fee, no potential penalties, and no late fees, this card features a low introductory APR on purchases and balance transfers.

The card itself is intended to simplify the process of financial management. Leaving the decision to pay off to a late date or call customer support at any time of day and enjoying zero liability on unauthorized transactions – these are an extra level of convenience and security.

Did you like the tip? Discover other credit cards for US residents on our website.