Our illustration in the card’s colours, not its design
Citi credit card
Citi Simplicity® Credit Card - Low Intro APR Credit Card
No annual fee. Purchase APR 17.74–28.49%, variable.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · online.citi.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · citi.com
The source states this figure; we have no exact sentence on file yet.
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · citi.com
The source states this figure; we have no exact sentence on file yet.
- Credit asked
- Good to excellent
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $0 | $0 | |
| Typical spender | $0 | $0 | |
| Heavy spender | $0 | $0 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
- No annual fee, like about 100% of the 50 cards on our 0% intro APR list (see the list).
- Lower top APR than about 25% of the 651 cards we track.
Other cards without rewards with no annual fee
- AAA Daily Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AAA Travel Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AEO, Inc.Synchrony · No annual feeabout the same
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Benefits
- Citi Entertainment provides eligible cardmembers special access to presale tickets and exclusive experiences for concerts, sporting events, arts and culture experiences.
- Citi Travel allows eligible cardmembers to book flights, hotels, car rentals and attractions, with access to over 1.4 million hotels and resorts worldwide.
- Citi Flex Pay allows eligible purchases of $75 or more to be paid over time with a fixed monthly payment.
- No late fees.
- No penalty APR.
All 16 benefits
- No annual fee.
- Flexible payment due date.
- Free online access to the cardmember's FICO Score.
- $0 liability on unauthorized charges.
- Citi Quick Lock can instantly block new charges while allowing recurring transactions to continue.
- 24-hour fraud protection and automatic account alerts.
- No fee for adding an Authorized User.
- 24/7 customer service.
- Digital wallet and contactless payment capability.
- Other
- Other
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · online.citi.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · citi.com The source states this figure; we have no exact sentence on file yet. |
| Intro APR | Receipt · Intro APRChecked Nov 1, 2026 Issuer's page · online.citi.com “0% introductory APR for 18 months from date of account opening.” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · online.citi.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · citi.com “Balance transfer fee — intro fee of 3% of each transfer ($ 5 minimum) completed within the first 4 months of account opening.” |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 Issuer's page · citi.com The source states this figure; we have no exact sentence on file yet. |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 Issuer's page · online.citi.com “Either $10 or 5% of the amount of each cash advance, whichever is greater.” |
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 Issuer's page · citi.com “As a result, Citi Simplicity® Credit Card offers: No late fees No penalty rate No annual fee — ever1 Other great benefits include: Flexible payment due date 24/7 direct-to-rep customer service $0 liability on unauthorized charges We weren't kidding when we said we like to keep things straightforward.” |
| Returned payment | Receipt · Returned paymentChecked Nov 1, 2026 Issuer's page · online.citi.com “Up to $41” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · citi.com The source states this figure; we have no exact sentence on file yet. |
| Grace period | Receipt · Grace periodChecked Nov 1, 2026 Issuer's page · online.citi.com “Your due date is at least 23 days after the close of each billing cycle.” |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Nov 1, 2026 Issuer's page · citi.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- Credit the issuer asks for: Good to excellent (issuer’s page).
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- None · online.citi.com, since Oct 8, 2026
- Does it charge a foreign transaction fee?
- Yes: 3% of each purchase transaction in U.S. dollars.. · citi.com, since Oct 8, 2026
- What is the purchase APR?
- 17.74–28.49% APR · citi.com, since Oct 8, 2026
- Is there an intro APR?
- 0% for 18 months from date of account opening. · online.citi.com, since Oct 8, 2026
- What credit do you need?
- Good to excellent · online.citi.com, since Sep 29, 2026