Owning a credit card can be convenient, but only if you find the right one for your needs. Using a card can be more beneficial than cash, especially with the array of benefits they offer cardholders. One such credit worthwhile offering is the Citi Simplicity® Card.
When searching for a credit card that complements your needs and lifestyle, it’s always best to factor in your current financial state. This way, you can consider credit cards that not only better your finances but also help you save more money in the long run.
The Citi Simplicity® Card remains true to these claims. Interested to know more about this card? Read on to find out what this card offers and how you can apply.
Features & Benefits
The Citi Simplicity® Card is recognized for its introductory low-interest rate. As part of its introductory offering, you can enjoy 0% APR on purchases for 12 months. The same goes for 0% balance transfers valid for 21 months.
Apart from this, this Citi offering has no annual fees, no penalty rates, and no late fees whatsoever. This feature allows you to save money while also giving you access to enviable cardholder benefits.
In keeping with its promise and security protection statement, the Citi Simplicity® Card comes equipped with purchase protection.
Through this initiative, you can expect $0 liability on unauthorized or fraudulent charges made on your account. It also gives you alerts with every transaction.
Last but certainly not least, the Citi Simplicity® Card provides maximum flexibility by allowing you to choose your payment due day. With this feature, you can easily choose to pay your full balance or the minimum amount each month.
Application Process & Requirements
To apply, you may fill out the online application form on the Citibank website. This will require you to provide your personal information such as your name, home address, Social Security number, date of birth, contact details, and country of citizenship.
You also have to disclose your financial information, including your total annual income, your monthly mortgage or rent payment, and so on. Other eligibility requirements include being at least 18 years of age and having a stable income.
The minimum credit limit is $500 depending on your creditworthiness.
Rates & Charges
- Annual Fee/Joining Fee – None
- Interest Rate – 14.74% to 24.74% variable APR
- Cash Advance Fee - $10 or 5% of the amount advanced (whichever is higher)
- Late Payment Fee - None
Bank Contact Info
Should you have queries about the Citi Simplicity® Card, feel free to reach the bank at 1-800-950-5114.
You may also contact them via their head office located at 399 Park Avenue, New York, NY 10022. Citi Bank also has a Facebook and Twitter account you can reach out to.
Conclusion
Having the right credit card offers you a world of possibilities. From low-interest rates to minimal cost, to superior card protection, the Citi Simplicity® Card is a worthy contender that would be a valuable addition to your arsenal.
Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.
