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.

Offer verified September 14, 2026Source: Citi official terms

Citi · Mastercard

Citi Simplicity

Name: Citi Simplicity
Brand: Citi

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

Perks (not counted in our math)

No Late Fees, No Penalty APR

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

Apply on issuer site — Citi Simplicity

Recommended credit score: 670+

Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure

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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1

Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.