No. Citi Simplicity does not offer cash back. The Citi Simplicity card does not give any rewards on purchases. Instead, it offers introductory interest rates of 0% for 18 months on purchases and 0% for 18 months on balance transfers. There’s also a $0 annual fee.
If you need a cash back rewards card to complement Citi Simplicity’s low-interest offers, consider Citi Double Cash. It offers 2% cash back on all purchases – 1% when you buy and an additional 1% when you pay the bill.
Citi Simplicity does not offer any rewards. Instead of rewards, Citi Simplicity offers introductory interest rates: 0% for 18 months on purchases and 0% for 18 months on balance transfers. It also has a $0 annual fee. If you want rewards, try Citi Rewards+ or the Citi Double Cash Cardinstead of Citi Simplicity.… read full answer
Your Citi Simplicity approval odds are highest when you have good or better credit. Good credit is often defined as a score of 660 to 719 but your best bet is to apply with a score of 700+.
Some users report approval with scores as low as 660 and denials with scores as high as 720. So you never can be 100% sure whether you’ll be approved.… read full answer
Info on Citi Simplicity approval odds:
Higher odds with 700+ credit score: Check your credit score before-hand to see if you’re in a good range.
Use Citi’s online pre-qualification tool: Pre-qualified offers don’t guarantee approval. But you have around an 80% chance of approval as long as nothing negative has been added to your credit report, like a missed payment.
Check your credit report: If you haven’t checked your report in a while, do that as well to make sure everything is accurate.
Update Financial Profile: Citi looks at your credit report, plus your annual income and monthly housing payment. You can update this info online, at citi.com/updateincome/, or by calling 855-209-8556.
If you don’t think you’ll qualify for Citi Simplicity, you’re going to have a tough time finding a credit card with lower requirements that offers 0% APR. But a card with 0% for 6 or 12 months is probably easier to get.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.