How to apply to Citi Simplicity Mastercard Credit Card

The Citi Simplicity Mastercard Credit Card is an easy to manage credit card focused purely on flexible debt repayment.

It offers new cardholders a long 0% introductory APR on both balance transfers and new purchases, with no late fees or penalty rates.

This combination enables consumers to pay down balances over 21 months without incurring more interest charges.

With additional features like online account alerts, payment date flexibility, and $0 fraud liability, the Citi Simplicity® Card simplifies the process of getting out of debt.

There’s also no annual fee to worry about. For those needing temporary financial relief from credit card balances or upcoming large expenses, this card removes barriers like late fees so you can tackle debt simply.

Benefits of Citi Simplicity Card

The Citi Simplicity® Card offers the following key benefits:

• 0% intro APR for 21 months on balance transfers completed in the first 4 months
• 0% intro APR for 12 months on new purchases
• No late fees or penalty rates
• Choose your monthly payment due date
• Set up customized account alerts
• Access your FICO® Score for free
• $0 fraud liability if your card is stolen

Prerequisites

To qualify for the Citi Simplicity® Card, you’ll need a good to excellent credit score in the range of 670 and above. This card can also help build your credit if you’re trying to recover from minor issues.

Ideal candidates have steady income streams and limited existing debt burdens aside from the balances they hope to transfer to the Citi Simplicity Card. Keep utilization below 30% for better approval odds. Recent late payments or collections activity can negatively impact your application.

While a credit history spanning a few years helps, the card is potentially accessible for those new to credit as well. Start building your profile earlier to become eligible for premium cards in the future. Conservative spenders focused purely on debt reduction tend to get the most long-term value from the Citi Simplicity’s introductory APR offers and account management flexibility. Monitor your credit with the free FICO score tracker.

Who is this card for?

The Citi Simplicity® Card is best suited for those with existing credit card debt seeking an extended 0% APR intro period to consolidate and pay down balances. It can also assist with a large upcoming purchase that requires financing options. This card allows consumers to reduce interest fees and stretch repayment over 12-21 months responsibly.

It’s well-matched for borrowers with good credit (scores of 670+) needing temporary relief from debt accrual. The lack of late fees and penalty rates also make it ideal for those who may occasionally miss payments. As there are no rewards or extensive travel perks, it is not recommended for luxury spending.

Step-by-Step Card Application

Follow these steps to apply for the Citi Simplicity® Card:

1. Go to the official Citi Simplicity® Card application page and click “Apply Now” button.
2. Provide personal information like your name, address, date of birth, and Social Security Number.
3. Enter financial details such as your income, housing payments, and existing account balances.
4. Review your information carefully before submitting the application.
5. Receive an instant decision if approved or request to provide additional documentation.

TAP HERE TO APPLY TO CITI SIMPLICITY MASTERCARD CREDIT CARD

Positives and Negatives

The Citi Simplicity® Card shines when it comes to providing temporary relief from credit card debt. New cardholders benefit from 0% introductory APR for over a year on balance transfers and 12 months on new purchases. This grace period enables you to pay down high-interest debt without accruing more interest and fees. There are also no late fees, penalty rates, or annual fee to worry about. Useful account management features like customized alerts and payment date flexibility further simplify debt repayment.

Potential downsides of note include the lack of rewards earned on card spending compared to cash back or travel cards. The Citi Simplicity is purely utilitarian for debt purposes. There is also a 5% balance transfer fee applied after the intro 0% APR promotion ends. Lastly, you must complete any transfers within the first 4 months to get the full 21-month intro period. However, if your goal is short-term debt consolidation, the Citi Simplicity Card has consumer-friendly qualities like no late fees that make balance reduction less stressful.

While not the fanciest credit card, the Citi Simplicity® Card excels at creating a stress-free environment to pay off existing balances over an extended timeframe. Just be mindful that letting debt linger too long negates the 0% APR benefit.

How to Unlock the Card

Follow these steps when you receive your new Citi Simplicity® Card in the mail:

1. Locate the small sticker on the front of your card with the 4-digit security code.
2. Call the number listed on the sticker (1-800-374-4934) and enter your card details like account number, Social Security Number, and date of birth to verify identity.
3. Provide the customer service agent with the 4-digit security code when prompted. This will instantly activate and unlock your card for purchases.
4. Set up a custom PIN code for ATM cash advances by calling CitiPhone or visiting a local branch (optional).
5. Register your account on citi.com or via the Citi Mobile® App to enable additional features like customized alerts, digital wallet usage, and more.

Your new credit card is now ready to use at ATMs and merchants worldwide! Activate digital wallet payments and alert preferences to maximize convenience and security.

Fees & Rates

The Citi Simplicity® Card has the following costs:

• 0% introductory APR on transfers (21 months) and purchases (12 months)
• 19.24%-29.99% variable APR after the intro periods end
• Balance transfer fee: 5% (min. $5) after first 4 months
• 3% foreign transaction fee
• No annual fee, late fees, or penalty rates

Read the full cardholder agreement for details on cash advance fees, returned payment fees, and other charges. Interest accrues immediately on cash advances. Carrying long-term balances after the 0% intro promotional period is not recommended.

About Citi

Founded in 1812, Citi is one of the world’s largest and most globally recognized financial institutions. Headquartered in New York City, Citi provides consumers, corporations, governments and institutional clients with a broad range of financial products and services including consumer banking, credit cards, investments and loans.

With over 200 million customer accounts spanning 160 countries and jurisdictions, Citi focuses heavily on digital innovation and online account management. The Citi Simplicity® Card exemplifies useful digital tools for taking control over payments and avoiding unnecessary fees.

Check application status through online banking or the Citi Mobile App.

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Customer Service Contacts

Reach a Citi Simplicity® Card representative through:

• Phone: 1-800-374-4934
• Secure Message: Log in online and visit Contact Us
• Mobile App: Tap “Help & Support” in app
• Mail: Write to P.O. Box 78045, Phoenix, AZ 85062-8045

Discover other credit cards in our website, like the How to apply to Citi Custom Cash Mastercard