Credit Cards (US)
How to apply for the Citi Simplicity® Card?
When you're looking for a card and want to save money, a 0% intro APR card can be the best choice. So, read on to learn how to apply for the Citi Simplicity® Card!
by Victória Lourenço
Citi Simplicity® Card application: easy and fast application for no annual fee!
Are you looking for a credit card with a 0% intro APR? The Citi Simplicity® Card might be the right choice for you. Also, you can learn how to apply for the Citi Simplicity® Card in this post!
Also, this card offers a 0% intro APR on purchases for 12 months and a 0% intro APR on balance transfers for 21 months (after that period, the variable APR ranges from 18.49% – 29.24%). It’s one of the longest intro APR periods in the market.
This card’s intro APR period can give you plenty of time to pay off your debt without accruing interest.
Plus, the Citi Simplicity® Card has no annual fee. So if you’re looking to save money, this card is definitely worth considering.
Therefore, if you’re interested in saving money, keep reading our post to learn how to apply for the Citi Simplicity® Card!
Online Application Process
You’ll need to fill out an application form with the personal information required to apply online.
For example, you’ll need to provide your full name, Social Security Number, home address, and others. Then, you’ll be able to submit your application!
You will be redirected to another website
Application Process through the phone
You can’t complete the application process on the mobile app. However, you can call the official number on Citi’s website and get the help you need to complete the application for this card.
Citi Simplicity® Card vs. Citi Rewards+® Card
Do you love Citi cards but still don’t know if the Citi Simplicity® Card is the right choice for you? You can try the Citi Rewards+® Card!
This card has some similar perks, but you’ll get access to a rewards program and a welcome bonus! Also, there is a 0% intro APR period and no annual fee.
| Citi Simplicity® Card | Citi Rewards+® Card | |
| Credit Score | Good to excellent. | Good to excellent. |
| APR* | 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that: Ongoing Purchases APR: 18.49% – 29.24% (Variable); Ongoing Balance Transfer APR: 18.49% – 29.24% (Variable); Ongoing Cash Advance APR: 29.74% (Variable). Balance transfers must be completed within 4 months of account opening. | 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that period: Purchases APR: 17.99% – 27.99% (Variable); Balance Transfer APR: 17.99% – 27.99% (Variable); Cash Advance APR: 29.74% (Variable). There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5). |
| Annual Fee | There is no annual fee. | $0. |
| Fees* | Balance transfer fee: Intro fee of 3% or $5 of each transfer amount (valid for whichever is greater for transfers that are completed in 4 months from account opening); Also, after that, 5% or $5 of the transfer amount, whichever is greater; *Terms apply. | Balance transfers: Intro fee of 3% regarding each transfer ($5 minimum) if you complete it in your first 4 months with the card; Also, after that, there is a fee of 5% for each transfer. *Terms apply. |
| Welcome bonus | N/A. | Earn 20,000 welcome bonus points after you spend $1,500 in your first three months from account opening. Redeemable for $200 in gift cards at thankyou.com |
| Rewards | N/A. | The Citi Rewards+® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases. *Terms apply. |
If you think the Citi Rewards+® Card is a better choice for you, read the following post, and you’ll learn everything about it.
Citi Rewards+® card review
Do you need a Citi credit card, but you need more information to decide? Read our Citi Rewards+® card review to learn more!
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
Victória Lourenço
Aline Barbosa
Senior Editor
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