Citi Simplicity® Card application: how does it work?

The Citi Simplicity® Card has an online/phone application that is easy to make. Know how to do it and get a fast response. Read on!


by Suzana Brito

10/09/2022 | Updated on 03/28/2023

Citi Simplicity® Card: easy application!

CITI logo
This card is perfect for helping you consolidate your debts. Read on! Source: Citi

The Citi Simplicity® Card came to simplify fees and reduce costs. This card charges no annual fee and is perfect if you want to pay down your debts.


Credit Card

Citi Simplicity®

no annual fee intro APR

No annual fee. 0% intro APR.

You will be redirected to another website

This post will look at how the application process works and what you can expect if approved. Stay tuned!

Apply online

top view of female hands in a laptop on a wood table
Apply with a paperless process. Keep reading to learn more! Source: Unsplash

First, you can do it online in what they call a “paperless” application, in which you must agree to statements and legal notices online only each month.

You’ll find a form with personal and income questions on their website.

However, before opening an account, ensure you are at least 18 years old, have good credit, and are a resident of the U.S.A. Once you submit, your profile will be analyzed.


Apply using the app

With the Citi Simplicity® Card app, you can have everything in your hands.

You can activate your card, secure your transactions, ick and unlock your card and manage your account. However, it is not suitable for making applications.


Citi Simplicity® Card vs. Upgrade Cash Rewards Card

The Citi Simplicity® Card has cost-reducing features with its fee offers, but it’s not the best credit card if you want to earn rewards.

In that case, we have another recommendation for you: Upgrade Cash Rewards Card. You’ll earn unlimited 1.5% cash back on all purchases after you pay them back.

Below, you’ll find both cards, in a nutshell, to help you choose the offer that makes more sense to you.

Citi Simplicity® Card

  • Credit Score: Good- Excellent;
  • Annual Fee: $0;
  • Regular APR: 0% Intro APR for 21 months on balance transfers from the date of the first transfer and 0% Intro APR for 12 months on purchases from the date of account opening. After that, the variable APR will be 18.74% – 29.49% (you’ll need to make balance transfers within 4 months of account opening); 29.99% variable APR for cash advances;
  • Welcome bonus: Intro balance transfer fee of $5 or 3% of the transfer amount (whichever is greater considering balance transfers you make within 4 months from account opening);
  • Rewards: None.
  • Terms apply.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

Upgrade Cash Rewards Card

  • Credit Score: Average to excellent;
  • Annual Fee: $0;
  • Regular APR: N/A;
  • Welcome bonus: $200 bonus when you open a Rewards Checking account and make 3 debit card transactions;
  • Rewards: Unlimited 1.5% cash back on payments.

Do you like the Upgrade Cash Rewards Card? Check out our post below to learn how to apply for it!

Upgrade Cash Rewards credit card

How to apply for Upgrade Cash Rewards

You can apply for an Upgrade Cash Rewards in a couple of minutes without leaving your house to do it. Learn how to apply online for your new credit card.

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

About the author

Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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