The best Citi Simplicity Card benefits are identity theft protection and contactless chip technology. These perks are certainly good to have, though it’s important to note that they are also relatively common benefits for credit cards.
Citi Simplicity Card Benefits
Identity theft protection
Contactless chip technology
Account activity alerts
Zero liability fraud protection
While these benefits aren’t bad, the Citi Simplicity Card simply doesn’t have as many benefits as a lot of the other credit cards on the market. To learn more about the Citi Simplicity Card, check out WalletHub’s full review.
The Citi Simplicity Card does not offer any rewards. Instead of rewards, this card offers introductory interest rates: 0% for 12 months on purchases and 0% for 21 months on balance transfers. After the intro period expires, the APR is 17.74% - 27.74% (V). There is also a 5% (min $5) balance transfer fee. The Citi Simplicity Card also has a $0 annual fee.
If you want to get a credit card with rewards, though, there are several great options available on the market.… read full answer
Here are some good credit cards with rewards:
Chase Freedom Unlimited®: This credit card offers 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1.5% back on all other purchases (plus an additional 1.5% cash back on everything, up to $20,000 spent the first year).
Blue Cash Preferred® Card from American Express: This card gives 6% cash back at U.S. supermarkets (up to $6,000 spent per year), 6% back on select U.S. streaming subscriptions, 3% back at U.S. gas stations and on transit, and 1% back on all other purchases, earned as statement credits.
The Citi Simplicity® Card credit limit is at least $$500, if you get approved. That’s the minimum limit listed in the card’s terms and conditions. However, your maximum credit line could be as high as $5,000, according to anecdotes from credit card holders. It all depends on your credit history, your income, and any potential debt or liabilities you might have. … read full answer
Tips for Getting a Higher Citi Simplicity® Card Credit Limit
Watch your utilization. If you already have a credit card, try to use just a fraction of your available credit. You should keep your credit utilization ratio at 30% or less. This will show Citi you’re not desperate.
Make more & spend less. Income and assets are a high credit limit’s friends. Lots of existing debt is not.
Wait if you need to. This credit card requires excellent credit for approval, for one thing. So, if you need some time to get your financial house in order before applying, take it.
If you get the card but not the credit limit you want, don’t worry too much. You can always ask for an increase later on. I’d wait at least 6 months, assuming you pay your bills on time.
The easiest Citi card to get is the Citi® Secured Mastercard® because it is the only one that will accept applicants with limited credit (less than 3 years of credit history). This card requires a $200 refundable security deposit but has a $0 annual fee. It also helps build credit history with monthly reporting to all three major credit bureaus… read full answer (TransUnion, Equifax and Experian).
More info regarding Citi credit cards score requirement
However, there are a number of store cards that also make it among the easiest Citi cards to get. Citi store cards require at least fair credit (a credit score of 640+) for approval. But purchases are limited to the affiliated merchant or its website. The Best Buy® Store Card and the Shell Gas Card, for instance, are among the many store cards that also have a full-fledged co-branded version on either the Visa or Shell Credit Card network, which can be used anywhere the network is accepted. Those cards aren’t as easy to get as the store versions, as they require at least good credit.
To get the Shell Gas Card, you need fair credit or better (a credit score of 640+). It has a $0 annual fee. Offers savings: 30¢ per gallon (up to 35 gallons) on your first 5 Shell fuel purchases made by 6/30/2023, after that 10¢ per gallon (up to 20 gallons) every time you fill up, 10% Shell rebates on your first $1,200 Shell non-fuel purchases (per year).
The Sears Store Card requires fair credit or better (a credit score of 640+). It has a $0 annual fee.
The easiest Citi cards to get come with limitations. They offer low minimum credit limits, high interest rates and few rewards and benefits. And with the Citi store cards, beware of deferred interest promotions. Deferred interest means that there’s 0% interest as long as the balance gets paid in full by the end of the promotion. If it’s not paid in full, Citibank charges interest on the original purchase amount from the date of purchase, at the card’s regular APR.
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