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.
The Citi Simplicity credit score requirement is 660-700 or better. There is no official minimum credit score needed for Citi Simplicity approval, to be clear. But most Citi cards require “good” credit or better, and most reports from people who got approved for the Simplicity Card suggest 660 is pretty much the cutoff.… read full answer
Then again, some users report approval with scores as low as 660, while others report denials for the Citi Simplicity with scores as high as 720. So you never can be 100% sure whether you’ll be approved just by credit score alone. Plus, your credit score is only one of the aspects Citi will look at when making a decision on your application. Your debt, annual income, and any past negative marks on your credit report will also matter.
The best you can do is check your score and only apply if it's 700+ in my opinion.
Your Citi Simplicity® Card - No Late Fees Ever credit limit will be at least $500 - if you get approved. That’s the minimum limit listed in the card’s terms and conditions, but your maximum credit line could be as high as $100,000. It all depends on your credit history, your income, and any potential debt or liabilities you might have.… read full answer
Here are some tips for getting a higher Citi Simplicity® Card - No Late Fees Ever credit limit:
Watch your utilization. If you already have a credit card, try to use just a fraction of your available credit. Most sources say the magic number is around 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 history 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 the credit bureaus.… read full answer
Aside from the Citi® Secured Mastercard®, which is designed for people with limited or no credit, nearly all other Citi personal and business credit cards aren’t as easy to get. It takes either good credit or excellent credit in order to get approved for cards such as the Citi® Double Cash Card or the Citi Premier® Card.
Citi store cards require at least fair credit for approval. But purchases are limited to the affiliated merchant or its website. The Best Buy® Store Card and the Shell Gas Card are among the many store cards that also have a full-fledged version on either the Visa or Mastercard 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.
The Best Buy® Store Card is only usable at Best Buy, but it’s one of the easiest Citi cards to get because it requires fair credit. It has a $0 annual fee and offers 0% deferred interest for 6 to 24 months on purchases of $299 and up (length depends on price) OR 5% back in rewards on purchases (6% for spending $3,500 on card in a year). Deferred interest means that if you pay in full by the end of the 0% period, you owe no interest. If you carry any balance after that, though, you owe interest all the way back from the purchase date at the card’s regular APR of 25.24% (V).
The Shell Gas Card has a $0 annual fee and offers savings of 30¢/gallon (up to 20 gallons) on the first 5 Shell fuel purchases made by 6/30/2022. Plus, save 10¢/gallon (up to 20 gallons) at the pump every time. There’s a 10% rebate on non-fuel purchases, up to $1,200 per year. The card can only be used at Shell and requires fair credit.
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, the Citi charges interest on the original purchase amount from the date of purchase, at the card’s regular APR.
It may also be beneficial to look outside of Citi to some of the easiest cards to get from other issuers. The Discover it® Secured Credit Card card is just as easy to get as the Citi® Secured Mastercard®, and it even offers rewards.
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