Citi Simplicity® Card
Not a rewards card; marketed for intro APR terms and no late fees.
Card details reviewed October 2, 2026. Confirm everything on the issuer site.
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Key facts
| Annual fee band | $0 |
|---|---|
| Welcome offer | Check current offer on issuer site |
| APR and any intro APR | Check current terms on issuer site (see "Rates & Fees") |
| Credit typically targeted | Good, Excellent (a guide only, not a guarantee of approval) |
| Rewards type | Not a rewards card |
| Foreign transaction fee | Yes |
| Bonus category caps | No |
| Network | Mastercard |
| Card for | Personal |
Who it may fit
- Pay down a balance or finance a purchase (0% intro APR)
Features
Pros
- Focused on debt payoff
- No annual fee
Cons
- No rewards
- Interest resumes after the intro period
Watch out for
- Balance transfer fee applies.
- Confirm current intro terms on the issuer site.