What does the Citi Simplicity earn?

The Citi Simplicity earns 1x on every purchase.

Is the Citi Simplicity worth the annual fee?

The Citi Simplicity has no annual fee, so there's no cost to keep it.

What credit score do I need for the Citi Simplicity?

You typically need a 670+ credit score to qualify for the Citi Simplicity.

Citi · Mastercard

Citi Simplicity

Name: Citi Simplicity
Brand: Citi

Offer verified 2026-07-27Source: Citi official terms

14 / 100

Annual Fee

Sign-Up Bonus

N/A

Base Rate

on everything

Best For

Moving existing debt: 21 months at 0% with the lowest transfer fee (3%)

Key Benefits

No Late Fees, No Penalty APR(~$50/yr)

Pros & Cons

Pros

+ 21 months 0% on balance transfers with a 3% intro fee — the cheapest long transfer window
+ No annual fee, no late fees, no penalty APR
+ 12 months 0% on purchases too

Cons

- No rewards — this card is for borrowing, not earning
- 3% fee requires transferring within the first 4 months (5% after)
- High APR after the intro period

Rates and fees may vary.See current rates, fees, and terms on Citi's site

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Recommended credit score: 670+

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