Looking for a credit card that’s free and has an amazing range of perks? Citibank might just be the bank you are looking for. With their exceptional services, you can surely get a credit card that’s right up your alley.
One of the best cards you can come across their line is the Citi Simplicity Card. With no penalty fees, late fees, or annual fees, you’re sure to get your money’s worth with each swipe of your card.
Continue reading to learn more about this credit card.
Citi Simplicity Card Features & Benefits
Doing away without all the frills, this Citi Simplicity Card stays true to its name. For one, it straight up gives you the chance to get a low introductory APR on credit card balance transfers and purchases.
For 21 months, you can get 0% intro APR on balance transfers ranging from 16.24% to 26.24% depending on your creditworthiness. The same goes for APR on purchases, valid only for 12 months from opening your account.
Even better, you can enjoy this card without worrying about late fees, penalty rates, or annual fees for life. This means you can get excellent savings even when you have a lot on your mind. You can even choose your payment due date, making flexible payment options within your reach.
If you are fond of buying goods and items online, you will be given the best protection you can ask for. Identity Theft Solutions, partnered with EMV Chip Technology and Purchase Protection, will yield stronger and more enhanced security options wherever you might be. From bringing you timely automatic account alerts to 24/7 customer service, Citi brings you unparalleled service.
Applying for a Citi Simplicity Card
If you're considering applying for this credit card, you'll be pleased to know that you can do so from the comfort of your own home. You can simply visit Citi Simplicity Card website then click apply now and submit your form online.
To qualify, you must be at least 18 years old, provide your Social Security Number, and have a steady income. You'll also need to furnish employment and income details, address, contact information, and have a valid ID ready.
Your credit limit can start from $1,000 depending on your creditworthiness. Because of this, make sure to provide all the essential information.
Citi Simplicity Card Fees & Charges
Using this card is simply enjoyable. For one, you do not have to pay annual fees, penalty fees, and late charges – ever.
0% introductory APR will be extended to your account for 21 months on balance transfers and for 18 months on purchases. After this period, your variable APR will be anywhere from 14.74% - 24.74%. There is also a 5% balance transfer fee (with a minimum of $5) for each transfer.
Meanwhile, there is a 5% cash advance charge or $10 for the amount advanced and a foreign purchase transaction fee of 3% of each purchase transaction.
Bank Contact Info
To reach Citibank, dial their customer service line at 1 (800) 374-9700.
Citibank headquarters are located at 399 Park Ave., New York, NY, 10022.
Conclusion
If you're looking for a credit card that offers endless possibilities, the Citi Simplicity Card is perfect for you.
Note: There are potential risks associated with applying for and using credit. For more details, refer to the bank’s terms and conditions page.
