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Citi · Visa

Citi Simplicity® Card

★★★★★ 4.5 Wafacard score
Issuer page Confirm current terms on the issuer website
Annual fee
$0
Rewards rate
See reward details
Intro offer
Intro APR terms may run for 18 months. Confirm eligible balances, purchases, and post-intro APR with the issuer.
Recommended credit
Excellent (720+)
Fees and terms

Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.

Annual fee
No annual fee
Purchase APR
APR range: 17.49% - 28.24%
Balance transfer APR
0% intro balance-transfer period for 18 months; variable APR applies after.
Cash advance APR
APR range: 29.74%
Promo APR length
18 months
Foreign transaction fee
Check issuer terms
Late payment fee
None
Grace period
21 days
Recommended credit
Excellent (720+)
Terms last updated
6/22/2026
Key benefits
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Rewards breakdown

Wafacard summary: this everyday credit card should be compared by its annual fee, issuer terms, reward fit, and benefit usefulness for your normal spending.

Intro offer: Intro APR terms may run for 18 months. Confirm eligible balances, purchases, and post-intro APR with the issuer.

Card details

Wafacard note: key fit signals include intro apr or transfer-focused terms, fraud-liability protection, no yearly card fee. Availability, exclusions, and enrollment rules can vary by issuer terms.

Issuer
Citi
Network
Visa
Type
general
Review status
Terms reviewed 6/30/2026

Is Citi Simplicity® Card worth it?

The Citi Simplicity® Card is a no-annual-fee general card from Citi, so you can keep it long term without paying to hold it. New cardholders may also qualify for a welcome offer: Intro APR terms may run for 18 months. Confirm eligible balances, purchases, and post-intro APR with the issuer. It is generally aimed at applicants with excellent (720+) credit, with a purchase APR around APR range: 17.49% - 28.24%. Confirm current terms on Citi's site before applying.

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