Chip Lupo, Credit Card Writer
@CLoop
No, the Citi Simplicity® Card doesn’t have points, nor does it give rewards of any kind on purchases. Instead of rewards, the Citi Simplicity Card offers cardholders introductory APRs of 0% for 12 months on new purchases and 0% for 21 months on balance transfers, with a 3% intro fee ($5 min) for each transfer in first 4 months, and 5% ($5 min) for each transfer after that. Once the introductory rates expire, the card’s regular APR of 19.24% - 29.99% (V) will apply to the remaining balance and all new purchases.
Popular Citi Rewards Cards
- Rates & FeesBest Overall: Citi® Double Cash Card – 18 month BT offerCiti® Double Cash Card – 18 month BT offerLearn MoreLearn Moreon issuer's website
- Rates & FeesGas & Groceries: Citi Rewards+® CardCiti Rewards+® CardLearn MoreLearn Moreon issuer's website
- Rates & FeesCustom Rewards: Citi Custom Cash® CardCiti Custom Cash® CardLearn MoreLearn Moreon issuer's website
- Rates & FeesInitial Bonus: Citi Premier® CardCiti Premier® CardLearn MoreLearn Moreon issuer's website
- Rates & FeesTravel & Dining: Costco Anywhere Visa® Card by CitiCostco Anywhere Visa® Card by CitiLearn MoreLearn Moreon issuer's website
- American Airlines: Citi® / AAdvantage® Platinum Select® World Elite Mastercard®Citi® / AAdvantage® Platinum Select® World Elite Mastercard®Learn MoreLearn More
If you’re still in the market for a rewards card, you can also review our editors’ picks for the best rewards credit cards overall.
People also ask
Does Citi Simplicity offer cash back?
No, the Citi Simplicity Card does not offer cash back, or any other type of rewards. That’s because it is designed as a financing option, and these type of cards don’t usually focus on rewards.
Citi Simplicity Card offers introductory interest rates of 0% for 12 months on purchases and 0% for 21 months on balance transfers - subject to a 3% intro fee ($5 min) for each transfer in first 4 months, and 5% ($5 min) for each transfer after that. The card’s regular APR is 19.24% - 29.99% (V). Plus, it also has a $0 annual fee.
Alternative Credit Card Option
If...
read full answerHow much is the Citi Simplicity Card credit limit?
The Citi Simplicity Card credit limit is $500 at a minimum, according to the card’s terms and conditions. The maximum credit line could be as high as $5,000, according to anecdotes from cardholders, and the amount an approved applicant gets assigned depends on their credit history, income, and debts.
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...
What is the Citi Simplicity card minimum payment?
The Citi Simplicity Card minimum payment is any past-due amount, plus either $20 or 1% of the statement balance (including any interest and fees) – whichever is higher. If the statement balance is less than $20, the entire amount is your minimum payment. If you recently missed a payment or exceeded your credit limit, Citibank may also add a late fee or the overlimit amount to your minimum payment.
The minimum payment is the smallest amount...
read full answerDid we answer your question?