No, the Citi Simplicity Card 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 12 months on purchases and 0% for 21 months on balance transfers, with a 5% (min $5) balance transfer fee. This card’s regular APR is 14.74% - 24.74% (V). There’s also a $0 annual fee.
However, if a cash back rewards credit card is what you are looking for, you can check out our editors’ latest picks for the best among them and weigh your options.
Citi Simplicity does not offer any rewards. Instead of rewards, Citi Simplicity offers introductory interest rates: 0% for 12 months on purchases and 0% for 21 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 Card approval odds are highest when you have good or better credit.
Info on Citi Simplicity approval odds:
Higher odds with at least good credit: Check your credit score before-hand to see if you're within the optimal range and avoid affecting your score with an uninformed hard inquiry.… read full answer
Respond to a mail offer: If you've been lucky enough to have been pre-selected for a mail offer, you can respond to it on Citi's website by providing your invitation code and last name. Pre-qualified offers don't guarantee approval. But you have good chances of approval as long as nothing negative has been added to your credit report.
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