Card details · Citi
Citi Simplicity Card review: fees, rewards and APR
The Citi Simplicity® Card is a credit card from Citi with a $0 annual fee. By our overall score it ranks #83 of the 242 credit cards we rank (store-only cards excluded), and #7 of 13 Citi cards. It is listed in our 0% intro APR rankings.
Key facts
- Issuer
- Citi
- Network
- Mastercard
- Annual fee
- $0
- Intro APR
- purchases 18 months · balance transfers 18 months
- Ongoing APR
- 17.49%–28.24%
- Balance transfer fee
- Introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening. After that, balance transfer fee will be $5 or 5% of the amount of the transfer, which ever is greater.
- Our overall score
- 60 (#83 of 242 cards)
Rewards
- none
Benefits and notes
none
Intro APR and balance transfers
0% intro APR on purchases for 18 months. 0% intro APR on balance transfers for 18 months. Balance transfer fee: Introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening. After that, balance transfer fee will be $5 or 5% of the amount of the transfer, which ever is greater.
Balance transfer fee: Introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening. After that, balance transfer fee will be $5 or 5% of the amount of the transfer, which ever is greater.
Ongoing APR: 17.49%–28.24%
Where it ranks
- Overall: #83 of 242 cards (score 60)
- Citi credit cards: #7 of 13
- 0% intro APR cards: #9 of 46 by our 0% intro APR score
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against Citi’s own site) as of October 9, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
What is the annual fee on the Citi Simplicity Card?
$0, as stored in our database. Confirm the current fee on Citi’s site.
Does the Citi Simplicity Card have a welcome bonus?
Our database lists no welcome offer for this card right now.
Does the Citi Simplicity Card have a 0% intro APR?
Our database lists: 0% intro APR on purchases for 18 months. 0% intro APR on balance transfers for 18 months. Balance transfer fee: Introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening. After that, balance transfer fee will be $5 or 5% of the amount of the transfer, which ever is greater. Terms apply.
How does the Citi Simplicity Card rank on YourBestCards?
#83 of 242 cards by our overall score (60). In our category lists: #9 of 46 0% intro APR cards.
Other top Citi cards
- 5x points per dollar on hotels, car rentals, and attractions booked on cititravel.com
- 3x points per dollar spent at supermarkets
- 3x points per dollar spent on select transit and at gas & EV charging stations
- Annual fee
- $0
- Welcome offer
- Earn 20,000 bonus points after spending $1,000 in the first 3 months.
- Intro APR
- purchases 15 months · balance transfers 15 months
- #2
Citi® / AAdvantage® Globe™ Mastercard®
Score 68- 3 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
- 6 AAdvantage® miles for every $1 spent on eligible AAdvantage Hotels™ bookings
- 2 AAdvantage® miles for every $1 spent at restaurants, including takeout and delivery
- Annual fee
- $350
- Welcome offer
- Earn 90,000 AAdvantage® bonus miles after $5,000 in purchases in the first 4 months
- #3
Citi® / AAdvantage® Executive card
Score 66- 12 AAdvantage® miles for every $1 spent on eligible AAdvantage Hotels® bookings and eligible AAdvantage Cars® bookings
- 4 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. After you spend $150,000 in purchases in a calendar year, earn a total of 5 AAdvantage® miles for every $1 spent on eligible American Airlines purchases for the remainder of the year
- 1 mile for all other purchases
- Annual fee
- $695
- Welcome offer
- Earn 125,000 AAdvantage® bonus miles after making $15,000 in purchases within the first 5 months of account opening.
- 10x points per $1 spent on hotels, car rentals and attractions booked at cititravel.com
- 3x points on air travel and other hotel purchases
- 3x points at supermarkets, restaurants, gas & EV charging stations
- Annual fee
- $95
- Welcome offer
- Earn 60,000 bonus points spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
- #5
Citi / AAdvantage Business World Elite Mastercard
Score 61- 2 AAdvantage miles per $1 on AA + car rentals/gas/telecom
- 1 mile per $1 all other
- Annual fee
- $99
- Welcome offer
- 75,000 AAdvantage miles after $5,000 spend in 5 months
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.