Does Citi Simplicity offer cash back?

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 Card instead 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.