Citi Simplicity® Mastercard

Card with No late, penalty or annual fees, ever

Updated: Aug 15, 2021

Advertiser Disclosure

Citi Simplicity Card is the ideal card for the individual looking for a completely uncomplicated card. If you should be late on a payment, there are no fees, or rate hikes. Also, you enjoy no annual fees and a live representatives help if you should ever need it.




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Citi Simplicity® Mastercard

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Introductory APR


Intro APR Period

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Recommended Credit Score


Key Features

  • 0% Intro APR on Balance Transfers and Purchases. After that, the variable APR will be applied based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.

Our Take

  • Citi Simplicity Card is truly an ideal card for someone looking for the simplicity of using cash with the benefit of using a credit or debit card. This card has all the advantages of using cash with a low intro APR rate for so many months on both purchase and balance transfer. After the introductory period, you will still enjoy a very competitive low APR rate.
  • Better than cash, however, if your card gets lost or stolen, it can be replaced without worrying about losing any of the balance on the card, try that with cash. All you have to do is call Citibank and report the card and it will be replaced within a couple of days, no hassle. Also unlike cash, you can use it for purchases online or over the telephone. In need of cash, you can also use it at any ATM machine to get cash instantly.
  • This card is completely uncomplicated, with no annual fees for use, ever. Also, there are no late fees that you will incur if you are late on a payment or miss one. More importantly, there are no rate hikes in your APR if you should miss a payment.
  • Nothing can be more annoying or devastating than finding that your credit card has unwittingly raised your rate because you have gone over your credit limit. With this card, you will never find a rate increase due to an error in timing. There are no hidden tricks of the trade to saddle you with a higher interest rate. That is very reassuring.
  • If you should have any problems either using your card or losing it, there is always help available. You won’t have to wait on hold for hours on end when it is misplaced or stolen. There are representatives available 24 hours a day 7 days a week. With no wait time to speak to them all, you need to say is “representative” and you will have someone to assist you immediately.
  • Applying for this card is just as uncomplicated as using it. You can apply right online and should get an answer immediately. If for some reason they are unable to tell you right away, your answer will come in a very timely manner, within days. This card is really a completely uncomplicated card, with no hidden fees or tricks.
  • Take advantage of the intro rate and even once that has been fulfilled, your rate will still be very competitive and there will never be a surprise rate hike, which is very reassuring. Even better, this card carries all the benefits that apply to use the Citibank Mastercard, is accepted at millions of locations worldwide. This is really the card that is like cash, the only way, way better.

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Basic Information
Issuer: CitiBank
Network: Mastercard®
Category: Consumer (Regular)
Review: Full Card Review
Best Used For:
  • Low Interest Rate
Rewards: No
Rates & Fees
Introductory APR (%): 0%
Applied Towards:
  • Purchases
Intro Period: See Terms
Regular APR: See Terms
Regular APR Type: Variable
Annual Fee: $0
Balance Transfer: No
APR on Cash Advances: See Terms
Grace Period: 22 Days (Min.)
Late Payment Fee: $0
Other Fees:
  • Returned Payment Fee: up to $35.00

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Additional Information & Comments

See website for complete terms and conditions of card usage and application disclosure.

Non-Affiliate Offer Disclosure
*The information provided for Citi Simplicity® Mastercard is believed to be accurate at the time of evaluation and has been collected independently by MarketProSecure®. The card issuer did not provide the details, nor it is responsible for their accuracy.

Citi Simplicity® Mastercard

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Citi Simplicity® Mastercard

Citi Simplicity® Mastercard

Rec. Credit Score: Excellent

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