Apply for Citi® Simplicity® Credit Card – Detailed Instructions

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Apply for Citi® Simplicity® Credit Card – Detailed Instructions
5 Total Score
  • No Annual Fee
  • Concierge Services and Entertainment Offers
  • Cash Transfer
  • Medical Assistance and Assistance
  • Travel Assistance
  • Legal Referrals
  • Roadside Insurance,
  • Translation Services
  • Travel Insurance
  • Low Intro APR on Balance Transfers
  • Purchase Protection
  • Rewards
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  • Apply for Citi® Simplicity® Credit Card – Detailed Instructions

Update - 2020.08.19

Citi offers several credit cards with a variety of benefits. There are cards with cash back rewards, cards with travel rewards, and even a secured card for rebuilding your credit. A Citi® Simplicity® credit card requires good credit, which is a score of about 651 or higher. The Citi® Simplicity® card offers a 0% interest APR on purchases and balance transfers for the first 18 months after you open your account.

Citi® Simplicity® Rates & Fees

ANNUAL FEE INTRO APR APRS BALANCE TRANSFER FEE FOREIGN TRANSACTION FEE
$0 0% introductory APR for purchases for 18 months from date of account opening.  0% introductory APR for balance transfers for 18 months from date of first transfer when transfers are completed within 4 months from date of account opening 14.74% to 24.74% Either $5 or 5% of the amount of each transfer, whichever is greater 3% of each purchase transaction in US dollars.
Citi® Simplicity® balance transfer offers
Balance transfers are usually conducted by cardholders who want to move their existing debt from one credit card to another card that has lower interest rates.
When considering the Citi® Simplicity® card relative to other balance transfer options, it is worth noting that the average balance transfer APR for all cards is 18.45% and the typical balance transfer fee is roughly $6 or 3.97% of the transferred value (whichever value is greater). If you are looking to transfer a balance, applying for a card with a 0% transfer introductory offer could lower your monthly payments.
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How to Apply for Citi® Simplicity® Credit Card Online

Citi® Simplicity® credit card application online is quick and simple.

  1. To get started, visit their website at www.citi.com.
  2. On the website, click “Credit Cards in the upper left corner.

    https://www.citi.com/credit-cards/citi.action

  3. Click “Select Card Category” on the next page and select the “Low Interest Credit Cards” category from the drop-down list.
  4. On the next page, click the “Learn More and Apply” link to the right of the Citi® Simplicity® credit card.

    https://www.citi.com/credit-cards/compare-credit-cards/citi.action?ID=view-all-credit-cards

  5. Click “Apply Now” on the next page. This takes you to your Citi credit card application.
  6. Enter your first and last name, your date of birth, your Social Security number, and answer the question about your citizenship.
    Provide your address and phone number. You can also provide your email address.
    Create a security word and a hint so you remember the security word.
    Enter your financial information, including your annual income and your monthly housing payment. You can select whether you have a checking, savings, or money market account.
  7. Indicate whether you want to add an authorized user.
  8. Scroll down to the bottom of the page, reviewing the terms and conditions. Check the box showing you reviewed the terms and conditions. You will also need to check the box agreeing to receive your notices electronically.
  9. Click the blue “Submit” button and follow the prompts to finish your application.
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Other Ways to Apply for Citi® Simplicity® Credit Card

You can also complete a Citi® Simplicity® credit card application by phone.

Call 1-877-645-37-08 to complete a phone application.

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Citi Credit Card Customer Service

You can reach Citi credit card customer service at 1-800-950-51-14. You can also reach them by writing
Citibank Customer Service
P.O. Box 6500
Sioux Falls, SD, 57117.

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Citi Credit Card FAQs

What is the APR for a Citi® Simplicity® credit card?
The APR for the Citi® Simplicity® card varies and is based on your credit history and score. It ranges from 14.74 percent to 24.74 percent.

Is there an annual fee?
The Citi® Simplicity® credit card has no annual fee.

Is there a late fee?
This credit card has no late payment fee.

Can I pay my Citi credit card online?
You can pay your Citi credit card online by creating an online account. You can make one-time payments or set up autopay.

Conclusion

Credit cards are often targeted to different individuals based on key demographic and card ownership information. When looking for a new credit card, it can be helpful to look at customers who currently use a particular card. After reviewing a number of Citi Simplicity cardholders, we developed the typical cardholder profile below.

Average Credit Score Range:

  • Excellent (720 – 850)
  • Good (690 – 719)

Cardholder Credit Range: 400 – 834

Average Cardholder Age: 45 – 60 years

Average Household Income: Between $100,000 and $149,999

Average Education Level: Undergraduate Degree

Primary Card Adoption Reasons:

  • Already Have an Existing Account
  • Benefits and Rewards

Reasons for Cardholder Satisfaction:

  • Low Fees
  • Valuable Rewards and Features
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Article Rating
5 Total Score
Apply for Citi® Simplicity® Credit Card Review

Citi offers several credit cards with a variety of benefits. There are cards with cash back rewards, cards with travel rewards, and even a secured card for rebuilding your credit. A Citi® Simplicity® credit card requires good credit, which is a score of about 651 or higher. The Citi® Simplicity® card offers a 0% interest APR on purchases and balance transfers for the first 18 months after you open your account.

Low Intro APR on Balance Transfers
0
Rewards
0
PROS
  • No Annual Fee
  • Concierge Services and Entertainment Offers
  • Cash Transfer
  • Medical Assistance and Assistance
  • Travel Assistance
  • Legal Referrals
  • Roadside Insurance,
  • Translation Services
  • Travel Insurance
  • Low Intro APR on Balance Transfers
  • Purchase Protection
  • Rewards
User Rating: 5 (1 votes)

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