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Citi Simplicity®
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Citi Simplicity®
At a glance
Welcome Offer
Limited Time Offer
New Offer
All time high
Rewards
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Points on other purchases
Intro APR
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Balance Transfer Intro
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Regular APR
Annual Fee
$0
Citi Simplicity®

Enjoy the ease of zero annual fees and no late fees with the Citi Simplicity® Card, making it a standout choice for stress-free spending. Benefit from an introductory 0% APR on purchases and balance transfers, giving you financial breathing room. With flexible payment dates and top-notch customer service, it's all about simplicity and convenience in managing your finances.

Application Tips
Get the best results with each application
Thinking About 2 Cards?

Notes: No direct line to the reconsideration department. They will usually only reconsider an application due to an error only.

Limit Increase
Credit Inquires
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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)
Application Inquires 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.
Welcome Offer Eligibility:
Downgrade Options
Getting your card
Rescore your report: Executive call 605-331-1698 — 1-866-713-5028: Fax

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits
Card holder benefits
As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.
Reward Terms
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Rewards redemption
Redeem your spending bonus
How to Redeem your valuable credits
Cash Redemption
Travel Redemption
Transfer your to any of the following Citi Travel Partners.
Points Transfer Partners
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Fees
Fees you may encounter as a cardmember
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Balance transfer Intro Offer
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Balance transfer Fee
Balance transfer Terms
Foreign Transactions
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Why We Like it

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Citi Simplicity® Click learn more to see if you qualify
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More questions? More answers.

What's the difference between a credit freeze and a credit lock on Experian?
There is no actual difference. By law, a freeze needs to be offered for free. Experian wants to charge you so they offer a freeze for free but for a lock they want you to pay a membership. They both do the same thing
Is it possible to reallocate my credit limit from a personal Chase card to a business card?
No, you can only transfer credit limits from personal to personal or from business to business within Chase.
Does obtaining a credit limit increase from Chase involve a credit check?
No, Chase does not pull credit for a credit limit increase.
Additional resources
Travel & Shopping
Top 9 Cards for Online Shopping
links to article
Financial Planning
Why Every Business Should Have a Line of Credit
links to article
Financial Planning
Unsecured Line Of Credit. What It Is And How To Get One
links to article
Travel & Shopping
The 9 Best Cards for Online Shopping
links to article