Do you LoveCitiSimplicity Invitation for up to 21 Months of 0% and No Annual Fee

Citi Simplicity Mastercard: A Credit Card for No-Frills Simplicity

Enter your Invitation Code at or call 1-800-477-1586

The Citi Simplicity Mastercard® is a credit card designed for those who value straightforward features and a no-hass approach to credit. Unlike many cards that come loaded with rewards programs and annual fees, the Simplicity card keeps things simple with:

  • No Annual Fee: Ever. This can be a major perk for those who just need a basic credit card for everyday purchases without the burden of an annual cost.
  • 0% Intro APR on Balance Transfers: For up to 21 months from the date of the first transfer, you can consolidate high-interest debt from other cards without accruing interest. After the introductory period, a variable APR applies.
  • No Late Fees or Penalty Rate: Citi forgoes the late and penalty fees often associated with missed payments. However, keeping up with your payments is still crucial to maintaining a good credit score.

$0 Liability on Unauthorized Charges:

  • Rest assured that you won’t be held responsible for unauthorized charges on your account. If you didn’t authorize a transaction, Citi has you covered.

Additional Benefits:

  • Automatic Account Alerts: Set up alerts to stay informed about your balance levels, payment due dates, and credit limit. Receive notifications via email or directly on your mobile phone.
  • Contactless Pay: Tap your card for safe and quick payments using contactless technology.
  • Flexible Payment Due Date: Choose any available due date that suits your schedule.
  • Digital Wallets: Use digital wallets for secure online and in-store shopping.
  • ID Theft Protection: Enroll in Mastercard®’s ID Theft Protection program to monitor and protect your identity.

Drawbacks to Consider:

  • No Rewards: Unlike many cards, the Simplicity card doesn’t offer cashback or points programs.
  • Higher Purchase APR: After any introductory offers, the variable purchase APR can be on the higher side.

Remember that the Citi Simplicity® Card is issued on the Mastercard® network, making it widely accepted. If you received an invitation code from Citi, you can apply for this card and enjoy its benefits. Start your journey toward simplicity today!

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