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Seven Common Misconceptions About Citi Simplicity Credit Card | citi simplicity credit card

This commodity is brought to you by the Personal Finance Insider team. It has not been reviewed, approved, or contrarily accustomed by any of the issuers listed. Some of the offers you see on the folio are from our ally like Citi and American Express, but our advantage is consistently independent. Agreement administer to the offers listed on this page.

Citi Simplicity® with Introductory APR

The best credit card for you ability not be a acceptable fit for others, and some consumers are bigger off advancing offers with a specific acclaim agenda issuer. Citi tends to assignment able-bodied for assertive types of spenders, including bodies who appetite to acquire a aerial aggregate of banknote aback and those who like the accretion options in the Citi ThankYou Rewards program.

Citi additionally boasts a acclaim agenda with one of the longest accession APR offers accessible today, authoritative Citi a accepted agenda issuer for debt alliance and antithesis transfers. 

If you're attractive for a new acclaim agenda and you're a Citi chump already or appetite to become one, you should apperceive about the top acclaim cards Citi offers accessible now. Actuality are our picks for 2021.

We're focused actuality on the rewards and allowances that appear with anniversary card. These cards won't be anniversary it if you're advantageous absorption or backward fees. Aback appliance a acclaim card, it's important to pay your antithesis in abounding anniversary month, accomplish payments on time, and alone absorb what you can allow to pay.

The Citi Premier Agenda is our top Citi acclaim agenda for 2021 based on the actuality the rewards you acquire are so versatile, yet you don't accept to pay a cher anniversary fee. With an anniversary aggregate of aloof $95 per year, this agenda lets you acquire a actual ample antecedent benefit of 60,000 benefit ThankYou® Credibility afterwards you absorb $4,000 in purchases aural the aboriginal three months of anniversary opening. You additionally acquire 3x credibility at restaurants, gas stations, supermarkets, air travel, and hotels — which makes the agenda anniversary because for accepted communicable expenses, as able-bodied as for biking bottomward the road.

The Citi Premier Agenda doesn't accept any adopted transaction fees, and you can use your rewards for allowance cards, anniversary credits, biking through the Citi portal, transfers to Citi's airline partners, and alike against apprentice loans and mortgages. You can additionally boutique with credibility on or Most accretion options are for 1 cent per point, but you may get added aggregate aback you alteration your rewards to airline partners. 

TheCiti Prestige® Acclaim Agenda offers a ton of important biking allowances including a adulatory fourth-night chargeless auberge break you can redeem up to alert per year, airport lounge admission with a Priority Pass Select membership, up to $250 in anniversary biking credits, and up to a $100 anniversary acclaim to awning the appliance fee for Global Entry or TSA PreCheck. This agenda comes with all the accretion options the Citi ThankYou Rewards affairs offers as well, including appointment your credibility to Citi's to airline partners.

Citi Simplicity Credit Card 8 Review - Should You Apply?

In agreement of earning rewards, you can arbor up 5x credibility on air biking and dining, 3x credibility on hotels and cruise lines, and 1 point per dollar on added purchases. A $495 anniversary fee applies, but you can added than accomplish up for this fee if you acquire the big antecedent sign-up benefit and booty advantage of all the advancing biking benefits. 

Accustomed APR

Antithesis Alteration Fee

The Citi® Double Banknote Agenda allows cardholders to acquire 2% banknote aback on aggregate they absorb — 1% aback they accomplish a acquirement and accession 1% aback they pay it off. This agenda doesn't allegation an anniversary fee, and you can accept from accretion options like a analysis in the mail or a anniversary acclaim on your acclaim agenda account.

This agenda additionally has a acceptable anterior 0% APR offer, which lets you pay 0% absorption on antithesis transfers for 18 months, followed by a capricious APR of 13.99% to 23.99%. That makes the Citi® Double Banknote Agenda a acceptable advantage for debt consolidation, although you alone acquire rewards on purchases, and not on balances you alteration from added acclaim cards. 

Accustomed APR

The Citi® Diamond Preferred® Acclaim Agenda offers an anterior 0% APR on purchases and antithesis transfers for 18 months (then a 14.74% - 24.74% Capricious APR) — one of the longest of any agenda on the bazaar appropriate now (balance transfers charge be completed aural 4 months of anniversary opening).

Citi Simplicity Mastercard® - 8% Interest back monthly

There's no anniversary fee, but you'll pay a 3% antithesis alteration fee (minimum $5). While the agenda doesn't acquire rewards, it offers an accomplished befalling to pay off debt afterwards any interest. During this time, every cent you pay on your bill will go anon against the arch of your balance, which will accelerate the action of advantageous bottomward your debt. 

Anniversary Fee

Accustomed APR

Featured Accolade

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is a champ for common flyers who like to fly with American Airlines and ally like British Airways, Finnair, and Cathay Pacific. Not alone can you acquire an antecedent benefit of 50,000 American Airlines AAdvantage® benefit afar afterwards $2,500 in purchases aural the aboriginal 3 months of anniversary opening, but you'll acquire 2x afar on acceptable American purchases, restaurant, and gas base spending, and 1 mile per dollar for all added purchases you make.

Cardholder allowances accommodate adopted boarding, 25% off in-flight aliment and cooler purchases aback you pay with your acclaim card, and a chargeless arrested bag for you and up to four assembly on calm itineraries aback you fly American. This agenda comes with an anniversary fee of $99, waived for aboriginal 12 months. 

Accustomed APR

Citi Simplicity Card Review

The Costco Anywhere Visa® Agenda by Citi could be a abundant best if you're a Costco affiliate and you like earning banknote aback acceptable for added Costco purchases. This agenda lets you acquire 4% aback on acceptable gas purchases on up to $7,000 in spending anniversary year (then 1%), but you'll additionally acquire 3% aback on dining and acceptable travel. In accession to 1% aback on accustomed purchases, you'll additionally acquire 2% aback aback you boutique in the abundance at Costco or accomplish purchases on

This agenda lets you banknote in your rewards afterwards your February anniversary acclaim anniversary year, and there's no anniversary fee with a paid Costco membership. You additionally won't pay any adopted transaction fees, and this agenda comes with continued warranties on acceptable purchases that appear with a manufacturer's warranty. 

Before you assurance up for a Citi acclaim card, it can advice to accept the bank's appliance rules. Depending on the card, you ability not be acceptable if you've becoming a sign-up bonus, or bankrupt a accurate agenda or one aural the aforementioned "rewards family" aural the accomplished 24 to 48 months.

The 24-month timeframe applies to Citi ThankYou Rewards cards like the Citi Premier Agenda and the Citi Prestige® Acclaim Card, admitting the 48-month accent applies to American Airlines acclaim cards like the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®.

With this in mind, you'll appetite to accomplish abiding you apperceive aback you aftermost bankrupt a Citi acclaim agenda afore you apply. If you assurance up too early, you won't accept the benefit on these cards — alike if you're accustomed and you accommodated the minimum spending requirement. 

Citi has some added abundant acclaim cards that absent the cut for our list, but depending on your needs and spending habits, they could be a abundant fit for you.

More Acclaim Agenda Coverage

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