Citi Simplicity® MasterCard

Most Attractive: 0% introductory APR offer, no late fees, no penalty rate, no annual fee

Least Attractive: No rewards program

Editor Rating:

Credit Profile: Excellent Credit recommended.

Interest Rates

  • Introductory Rate: 0% APR for 18 months on purchases and balance transfers
  • APR (Purchases): 12.99-21.99% (V)
  • APR (Cash Advances): 12.99-21.99% (V)


  • Annual Fee: $0*
  • Grace Period: See Terms
  • Late Payment Fee: See Terms
  • Over-The-Limit Fee: See Terms
  • Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.

Reward Program

  • Points per Dollar: No Rewards Program
  • Additional Points: No Rewards Program
  • Point Details: No Rewards Program
  • Expiration: No Rewards Program
  • Yearly Limit: No Rewards Program

The Citi Simplicity® MasterCard has an industry leading introductory offer and is a great bare-bones card.  The card, however, does not come with a rewards program.

Key Benefits Of The Citi Simplicity® MasterCard

Industry Leading Intro Offer: This card comes with 0% APR for 18 months on both purchases and balance transfers, an offer that leads the industry.

Minimal Fees: Have no late fees - ever, no penalty rate - ever, and no annual fee - ever.  This card believes in a minimal fee structure and a back-to-basics approach to a credit card.

Personal 24/7 Support: Save time when you need help with your card by taking advantage of fast, friendly, and personal support available 24 hours a day.

Main Advantages:

Intro APR: This industry-leading 18 months intro APR is fantastic for those looking to make a large purchase or transfer a balance from a higher APR card.

Low On-Going APR: This card also has a lower on-going APR than many similar cards, depending on your creditworthiness.

Main Disadvantages:

No Rewards Program: This card does not include a rewards program, however the savings in interest charges and fees may make up for this.

Limited Perks: This card is not as loaded with perks as comparable cards.

Editor's Final Word:

Overall the Citi Simplicity® MasterCard is a great choice for those looking for a low fee structure, no annual fee, a long introductory period, and a simple, bare-bones credit card.  Keep in mind the card doesn't have all the perks and rewards of comparable cards, but the lower fee structure will quickly make up for this.

To apply for the Citi Simplicity® MasterCard, click here to be redirected to the issuer's website.

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