Does Citi Simplicity have points?

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 16.99% - 26.99% (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.

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

1. 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.
2. Make more & spend less. Income and assets are a high credit limit’s friends. Lots of existing debt is not.
3. 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.

20$ or 1% of your new balance, together with fees and interest charges. The minimum payment due will never be more than your new balance.