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Advertiser Disclosure

Although we put in a lot of effort to give our readers unbiased information, and we include many credit card offers on our website for which we do not get paid any compensation, we are legally required to notify you that we may be receiving compensation from some of the credit card companies mentioned on our website.

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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

welcome offer

Intro 0% APR for 21 months on balance transfers from when the first balance transfer is made (up to 4 months from account opening). And, intro 0% APR for 12 months on purchases from the date of account opening (after that 19.24% to 29.99 variable). The balance transfer fee is 3% or $5, whichever is greater. 

Bonus Value

Approximately $0

Annual Fee

$0

Card Rewards

No rewards on all purchases

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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Author - Sam Updated: February 26, 2024 | Credit Card Review
Card Overview

The Citi Simplicity Card offers an intro 0% APR period of 12 months on purchases from the date of account opening and intro 0% APR for 21 months on balance transfers from when the first balance transfer is made. The card also features simplicity with no penalty fees, no late fees, and no annual fees.

Card-Smart Tips & Advice
  • Credit: Good credit needed
  • Max cards: Citi will only approve you for one personal card every 8 days, and only 2 Citi personal cards within 65 days
  • Credit bureau: Citi will usually pull your Experian credit report, sometimes Equifax, and sometimes Experian and Equifax  (depending on your state, search your state in our credit card database)
  • If you freeze your Experian credit report you can sometimes request the reconsideration department to pull your Equifax credit report
  • Combining same-day credit inquiries: Credit inquiries for all Personal Citi cards will be combined; also, credit inquiries for all Business Citi cards will be combined. Credit inquiries for Personal and Business card applications will not be combined. Note, you cannot get approved for more than one Citi personal card within 8 days (Combining credit inquiries will only make a difference when declined for your first try and you want to try a new one)
  • Application status: You can check your application status  here  or call 1 888 201 4523
  • Reconsideration: If declined you can call 1 800 695 5171 to be reconsidered
  • Quickest way to get my card: Citi will offer instant credit card numbers only on some cards (Custom Cash, Costco cards applied for in-store, AA, AT&T). Citi physical credit cards cannot be expedited and will arrive after 7-10 business days

Approval Monitor (submitted by HelpMeBuildCredit users)

63% Approved
760 Avg. Score of those approved
38% Denied
Approved 63% (10)
Denied 38% (6)

Credit limit range $500-$16,000

Avg. Credit limit$7,380

Approved 63% (10)
Denied 38% (6)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application

Balance Transfer Terms
  • Balance transfer fee: 3% or $5, whichever is greater
  • You cannot transfer balances from other credit cards issued by Citi Bank
  • To receive the Intro APR Offer, transfers must be completed within the first 4 months of account opening
  • No penalty APR
Card Details And Benefits

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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