The Citi Simplicity® Card is ideal for those seeking a 0% offer on purchases and balance transfers. With this card there is no annual fee and there are no late fees or over the limit fees. This is a basic credit card with no rewards program.
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Citi® Simplicity Card 0% Offer
The Citi® Simplicity Card comes with a dual 0% offer on balance transfers for 18 months on balance transfers* months and on purchases for 18 months on balance transfers* months. With the balance transfer, there is a 3% transfer fee. There are no fees associated with the 0% on purchases offer. Your variable rate will be 12.99-21.99% (Variable)* and is based on your creditworthiness. This rate may change based on the prime rate.
Extra Cash from Citi
The Citi® Simplicity Card also comes with a little known benefit from Citi called Extra Cash. With Extra Cash, you can purchase products online through Citi and apply your Extra Cash toward the purchase price. When you receive your Citi® Simplicity Card, you can enroll for free. Once enrolled, you are given 100 dollars in Extra Cash, and you earn 10% of your purchases with the card in additional Extra Cash. You can use Extra Cash for savings on travel, merchandise, or gift cards.
Additional Citi® Simplicity Card Benefits
This card offers a variety of additional benefits for being a card member. Here is a list of some of the additional benefits the card offers:
- Virtual Account Numbers: With one click, you can generate a random credit card number and make it virtually impossible for anyone to steal your account number while shopping online. Then, you enter this number into the merchant’s form and complete your purchase without revealing your real card number.
- Citi® Photocard: Citi® Photocard offers added security and a great form of photo identification by putting your picture and signature on the front of your Citi card. Now that’s something to smile about. Simply call the telephone number on the back of your card for details.
- Retail Purchase Protection: Retail Purchase Protection protects most items purchased with your Citi card against theft or accidental damage up to 90 days from the date of purchase.
- Extended Warranty: Extended Warranty coverage may provide extension of up to one additional year on manufacturers’ U.S. warranties of one year or less with most purchases on your card.
- Paperless Statements: Receive monthly statements online only and get instant access to your last 12 statements in PDF format. Less paper in the mail means less chance of your sensitive information ending up in the wrong hands.
- The Lost Wallet® Service: If your Citi card is lost or stolen, Citi will issue a new card at no cost. Citi can also provide you with emergency cash, subject to your available cash limit, and information to help you replace important documents.
How to Apply for the Citi® Simplicity Card
Applying for the card is quick and easy. We’ve provided a link below that will take you to the official Citi website for the card. From this page, you can click on the green apply button to go to Citi’s secure online application. The application takes just a few minutes to complete, and Citi will even notify you by e-mail or regular mail (your choice) the outcome of your application.
To get started, visit the Citi Simplicity® Card official website.
