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Is Citi Simplicity card a good card?

Is Citi Simplicity card a good card?

The Citi Simplicity® Card doesn’t have rewards. Its value lies mostly in its long 0% introductory APR period for purchases and balance transfers, which make the card a good option for paying down debt. Additionally, as the card’s promotional name makes clear, it never charges fees or penalty APRs for late payments.

What are the benefits of the Citi Simplicity card?

Best Features

  • Zero percent introductory APR: The Citi Simplicity Card offers a 0% Intro APR for 12 months on purchases from date of account opening and a 0% Intro APR for 21 months on balance transfers from date of first transfer.
  • No annual fee: Cardholders will pay no annual fee.

What kind of card is Citi Simplicity?

unsecured credit card
The Citi Simplicity Card is an unsecured credit card for people with good credit or better that operates on the Mastercard network. Citi Simplicity also is a great balance transfer credit card because of its long 0% introductory APR on balance transfers and its $0 annual fee.

Is Citi Simplicity hard to get?

Your Citi Simplicity Card approval odds are good if you have a credit score of 700+. That means you need good credit or better to have a shot at getting approved. Your approval odds for the Citi Simplicity Card will also be influenced by your annual income and existing debts.

What is the minimum credit score for a Citibank credit card?

You need a credit score of at least 700 for a Citi credit card in most cases. That means applicants for Citi credit cards need at least good credit to be approved. But it really depends on which card you’re after. Some Citi credit cards require higher scores, and one accepts applicants with limited credit history.

Is Citi Simplicity no annual fee?

If you’re looking to make shopping simple and affordable, apply for a Citi Simplicity Card! Enjoy more freedom on every swipe thanks to Citi Simplicity Card’s zero fee feature: no annual fees, no overlimit fees, and no late payment fees. Make it simple by applying today. No annual fees forever!

Is Citi Simplicity card a Visa or Mastercard?

Is the Citi Simplicity® Card a Visa or Mastercard®? The Citi Simplicity® Card is issued on the Mastercard® network and provides Cardmembers with exceptional value through its low intro APR, no late fees, no penalty rate and no annual fee – ever.

Is Citi Simplicity a Visa or Mastercard?

The Citi Simplicity card is a Mastercard. Citi Simplicity is only issued on the Mastercard network now, but it used to be offered as either a Visa or a Mastercard in the past. Now, you can use Citi Simplicity anywhere Mastercard is accepted, which includes over 200 countries and around 11 million U.S. merchants.

Does Citibank give instant approval?

Issuers that may offer a chance of instant approval include American Express, Barclays, Chase, Capital One and Citi. Secured credit cards may offer instant approval but require you to put a deposit down.

Does Citibank verify income?

Yes, Citibank will verify your income when you apply for a personal loan. Citibank requires a minimum annual income of $10,500 to ensure that you can make your monthly payments, and if you don’t meet the minimum income requirement, you likely won’t get approved.

Is Citi card a Visa or Mastercard?

A Citi card will almost always be a Mastercard. Citibank’s current Visa cards are the Costco Anywhere Visa® Card by Citi, the Costco Anywhere Visa® Business Card by Citi and the Best Buy® Credit Card. Visa and Mastercard are the world’s two largest credit card networks.

Can Citi card be used anywhere?

Citi cards are accepted by nearly all merchants that take credit cards in more than 200 countries worldwide. That’s because, with the exception of some closed-loop store cards, all Citi credit cards are on either the Mastercard or Visa card network.