Citi Simplicity® Credit Card - Low Intro APR Credit Card
Purchase APR 17.74 –28.49 %, variable.
- Annual fee
- Issuer's pageciti.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Issuer's pageciti.com
“Get a 0 % Intro APR for 18 months on purchases from date of account opening; after that, the variable APR will be 17.74 %- 28.49 % based on your creditworthiness.”
- Foreign transaction fee
- Issuer's pageciti.com
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $0 | $0 |
| Typical spender | $0 | $0 |
| Heavy spender | $0 | $0 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Lower top APR than about 30% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rates and fees
| Annual fee | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Issuer's pageciti.com “Get a 0 % Intro APR for 18 months on purchases from date of account opening; after that, the variable APR will be 17.74 %- 28.49 % based on your creditworthiness.” |
| Intro APR | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer APR | Issuer's pageciti.com “Get a 0 % Intro APR for 18 months on balance transfers from date of account opening; after that, the variable APR will be 17.74 %- 28.49 % based on your creditworthiness.” |
| Balance transfer fee | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Cash advance APR | Issuer's pageciti.com “The variable APR for cash advances is 29.99 %.” |
| Cash advance fee | Issuer's pageciti.com “Cash advance fee — either $ 10 or 5 % of the amount of each cash advance, whichever is greater.” |
| Penalty APR | Issuer's pageciti.com “No penalty rate 1” |
| Late payment | Issuer's pageciti.com “No late fees 1” |
| Foreign transactions | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Minimum interest charge | Issuer's pageciti.com “Minimum interest charge — $ 0.50 .” |
Carrying a balance? See how long it takes to pay off
Benefits
- Citi Entertainment provides eligible cardmembers special access to presale tickets and exclusive experiences for concerts, sporting events, arts and culture experiences.
- Citi Travel allows eligible cardmembers to book flights, hotels, car rentals and attractions, with access to over 1.4 million hotels and resorts worldwide.
- Citi Flex Pay allows eligible purchases of $75 or more to be paid over time with a fixed monthly payment.
- No late fees.
- No penalty APR.
- No annual fee.
- Flexible payment due date.
- Free online access to the cardmember's FICO Score.
- $0 liability on unauthorized charges.
- Citi Quick Lock can instantly block new charges while allowing recurring transactions to continue.
- 24-hour fraud protection and automatic account alerts.
- No fee for adding an Authorized User.
- 24/7 customer service.
- Digital wallet and contactless payment capability.
- Other
Questions
- What is the annual fee?
- $ 0 citi.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 3 % of the U.S. dollar amount of each purchase.. citi.com, since Oct 3, 2026
- What is the purchase APR?
- 17.74–28.49% APR citi.com, since Sep 29, 2026
- Is there an intro APR?
- 0 % for 18 months. citi.com, since Sep 29, 2026
- What credit do you need?
- Good to excellent citi.com, since Sep 29, 2026
Other cards without rewards
- Merrick BankMerrick Bank · about the same
- Atmos Alaska Airlines BusinessBank of America · −$70 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).