Citi
Citi Simplicity Credit Card
Estimated value every year on typical spending
$312/ year
Every year, after the annual fee. No welcome bonus.
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Citi Simplicity Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $312 a year on typical spending.
The fine print
- Intro APR
- 0% for the first 15 months
- Regular APR
- 19.99% to 28.99% variable
- Foreign fee
- 3%
- Top perk
- No late fees
- Approval
- Good credit recommended
- Redeem for
- Statement credit · Direct deposit · Gift cards
Rewards
- The Citi Simplicity® Credit Card does not earn rewards, but offers benefits such as no late fees, no penalty rate, and no annual fee
Sign-up bonus
None
Best for
- Keeping costs at $0
Not ideal for
- Frequent international travelers
Trade-offs: No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- 0% for the first 15 months
- Regular APR
- 19.99% to 28.99% variable
- Balance transfer fee
- 3% of each transfer ($5 minimum) for the first 4 months, then 5%
- $1200/mo on everyday spending earns about $144/year (1%).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Citi Simplicity Credit Card: questions people ask
Is the Citi Simplicity Credit Card worth it?
With no annual fee, the Citi Simplicity Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $312 a year on typical spending.
What is the Citi Simplicity Credit Card annual fee?
The Citi Simplicity Credit Card has no annual fee ($0).
What does the Citi Simplicity Credit Card earn?
The Citi Simplicity® Credit Card does not earn rewards, but offers benefits such as no late fees, no penalty rate, and no annual fee.
What credit score do you need for the Citi Simplicity Credit Card?
The issuer recommends good/excellent credit. Checking your matches on CardFit never runs a credit check.
Does the Citi Simplicity Credit Card charge foreign transaction fees?
Yes: 3%.
Does the Citi Simplicity Credit Card have a 0% intro APR?
0% for the first 15 months. After that the regular APR is 19.99% to 28.99% variable.
Compare Citi Simplicity Credit Card
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Citi product page. Terms change often; confirm them with the issuer before you apply.