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The best thing about the Citi Simplicity card is that it is 0% for eighteen months. When I applied for this card this was the only reason I had as my intention for applying for one. It really paid off because I was able to move my other credit card balances over to this and work on paying it down to nothing. This card and company are great at not applying outrageous fees which lends to the game the Simplicity card because that's what it is, its Simple, and awesome! If the subject of credit cards come up with friends this is the card I recommend first and several of my friends have loved theirs too.
Unlike the other posters I have had a very positive experience with this card. I, too started out with a low credit limit but I would only buy gas with it and then pay it off at the end of every month. Slowly, my credit limit was increased and I couldn't be happier with this card, and Chases' customer service. I enjoy the cash back that I receive from using my card so often that I wouldn't know what to do with out it. Out of all the credit cards in my wallet, this is the one that I use the most and the one with the least amount of problems.
I've had this card around 2 years and I cant say enough great things about. First when you sign up they basically give you 150.00 just for using it with 1k worth of purchases, which for me I earned very quickly. I've also referred this card to my friends and each time they've successfully applied and received their card Blue gives me 75 bucks each time. I would highly recommend their customer service as well, any time I've ever had a problem they have handled it with superior customer service and in a very timely manner. I'm surprised their rating isn't higher and a perfect 5 out 5 because that's what my service has been with them. Thanks American Express!
I love my Chase Sapphire Card. Before I decided to sign up for it I never understood what all the fuss was about with points and rewards and other awesome perks you can earn. Now its the only card I use on all of my purchases. You would have to have a caravan of horses to pull this card away from me! The commercials are what bought me to the Sapphire card and I'm sure glad they did, it really has changed my life for the better. I would highly recommend this card to anyone that's unsure of it and I've referred a lot of my friends and family to this exclusive club.