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Mastercard2/4 on file
✓ Annual fee checked
Citibank / Citigroup · Mastercard

Citi Simplicity® Card

Low InterestNo Annual Fee

The Citi Simplicity® Card is a Mastercard from Citibank / Citigroup with an annual fee of $0. Here is what we hold on it, and what we do not.

Not every figure here is checked

Checked against a published document: annual fee (Sep 2026), foreign transaction fee (Dec 2025). Not yet checked with Citibank / Citigroup: credit requirement. Citibank / Citigroup’s own page is authoritative — confirm anything you rely on there before you apply.

Annual fee$0per yearChecked citi.com
Apply on Citibank / CitigroupCompare this card
Opens Citibank / Citigroup’s site

Bank with branches in: California (271), New York (211), Illinois (57), Florida (56), District of Columbia (15), Connecticut (12), Maryland (11), New Jersey (8) and 3 more. Where it has branches is not a rule on who may apply.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the Citi Simplicity® Card, exactly as recorded.

Annual fee
$0Checked citi.com
Supplementary card
Not confirmed
Foreign transaction
3%Checked files.consumerfinance.gov
Purchase APR
Not confirmedWe couldn't verify this · check with the issuer
Income requirement
Not confirmed
Network
Mastercard
Credit needed
GoodNot yet checked with Citibank / Citigroup
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the Citi Simplicity® Card. That may mean there isn’t one, or simply that we have not recorded it — Citibank / Citigroup’s own page is the place to check.

We couldn't verify this · check with the issuer
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the Citi Simplicity® Card. Rather than print a multiplier we cannot source, this stays blank until Citibank / Citigroup’s own terms give us one.

We couldn't verify this · check with the issuer
Next step

Ready to apply for the Citi Simplicity® Card?

You'll finish the application on Citibank / Citigroup's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Citibank / Citigroup’s site
Questions

Questions about the Citi Simplicity® Card

How much is the Citi Simplicity® Card annual fee?

The Citi Simplicity® Card has an annual fee of $0. Weigh that against the rewards and perks you will actually use.

What does the Citi Simplicity® Card earn?

We could not verify the Citi Simplicity® Card's earn rates, so we do not print a multiplier. Check them on Citibank / Citigroup's own site.

What network is the Citi Simplicity® Card on?

The Citi Simplicity® Card runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the Citi Simplicity® Card available in United States?

Yes — the Citi Simplicity® Card is issued by Citibank / Citigroup and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

When were the Citi Simplicity® Card figures last checked?

We checked its annual fee in September 2026 and its foreign transaction fee in December 2025, each against a published document. Not yet checked with Citibank / Citigroup: credit requirement. We could not verify, so we do not print: purchase APR, earn rates and welcome offer. Check them with Citibank / Citigroup. Terms can change without notice, so confirm the current details with Citibank / Citigroup before you apply.