Citi Simplicity® Credit Card: annual fee, APR and rewards

Fact sheet for the Citi Simplicity® Credit Card, issued by Citi, with no annual fee and an intro APR offer. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Citi
Network	Mastercard
Annual fee	$0
Rewards	No rewards
Purchase APR	after that, the variable APR for unpaid promotional balances, new purchases, and new balance transfers is 17.74% - 28.49%, based on your creditworthiness.
Intro APR	0% Intro APR for 18 months on purchases and balance transfers from date of account opening
Balance transfer fee	Intro fee of 3% of each transfer ($5 minimum) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 minimum).
Foreign transaction fee	3% of each transaction
Credit level	Excellent, Good (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 22.86%, with a range of 17.49% to 28.24%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.