Citibank Simplicity Credit Card

2.67 of 5
from 6 reviews

Citibank Simplicity Credit Card | Reviews

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Rewards Expedited service calls, no late fees, no penalty rate, car rental insurance, citibank will help find lower price on purchases and refund you if you spent too much, $0 liability on unauthorized charges.
Signup Bonus N/A
Annual Fee No annual fee
Cardmember Agreement View Here
Cash Advance APR 12.99%, 15.99%, 18.99%, 20.99%, or 22.99%, based on your creditworthiness.
Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater.
Late Payment Fee None
Purchases APR 0% introductory APR for 21 months from date of account opening. After that, your APR will be 12.99%, 15.99%, 18.99%, 20.99%, or 22.99%, based on your creditworthiness.


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citi simplicity service

 by Anonymous

Called in for payoff amt. I talked to 2 people who said they could not give me an amount, Pay off immediately over phone. Amount was estimated. I was told to watch my balance. Very rude. I was told no one there could give the amount or anywhere else. I told them I have not had a problem anywhere else getting an exact payoff amount. Can they not calculate this ??????????????????? Not happy. Very disrespectful.


 by Anonymous

I love this card. No late fees, no annual fees. Because I had NO DEBT, no Mortgage payment, car payment, I couldn't get credit. Go figure. Simplicity immediately approved me and I've now established credit and my credit score went from 600 to almost 800. I can use this card for my vacations now, home repairs.I haven't had to deal with the CS dept. yet so can't comment on that. I keep my balance low-medium, it helps to get credit increases.

Just okay

 by Anonymous

Had it for a couple of years, take it or leave it.

Their system won't take my bank account number???

 by Anonymous

I wanted to pay this card off and thought it was done in January. For some reason, I have to call in every month because the automatic payment won't work. So...they said they couldn't make the transfer and the card was not paid off in December. I have to call every month.

Simplicity Credit Card

 by Anonymous

I have had this card for over 2 years and so far so good.


 by Anonymous

Misinformed about 0% balance transfer.