Citi Simplicity Credit Card
The Citi Simplicity Credit Card has no annual fee and does not earn rewards 1. Citi lists no late fees and no penalty rate as its main features, along with $0 liability on unauthorized charges and free FICO Score access 12.
Contents7 sections
At a glance
| Annual fee | $01 |
|---|---|
| Foreign transaction fee | 3% Of the U.S. dollar amount of each purchase1 |
| Rewards | Does not earn rewards. |
| Network | Mastercard |
| Authorized users | No fee1 |
| Issuer | Citi · Official card page |
What to know about the Simplicity
Citi builds the card around payment terms rather than earning. It states that the card charges no late fees and has no penalty APR, even if a payment is missed, and the card earns no points or cash back 1. The pricing disclosures linked from the product page set out the card's rates and remaining fees 2.
Account protections include $0 liability on unauthorized charges and free online access to the cardmember's FICO Score 1. The card is issued on the Mastercard network, and cardmembers can enroll at no cost in Mastercard ID Theft Protection, which monitors information the cardmember chooses to protect and sends an alert if suspicious activity is found 1. Citi Entertainment gives cardmembers access to presale and special-access tickets for concerts, sporting events and other events 1.
Foreign purchases carry a fee of 3% of the U.S. dollar amount of each purchase, and authorized users can be added without a fee 1. Travel insurance, purchase protection and extended warranty are not listed by the issuer for this card 12.
Account features
| Zero fraud liability | $0 liability on unauthorized charges.1 |
|---|---|
| Free credit score | Free access to your FICO Score online.1 |
Other perks
| No late fees and no penalty rate | Citi states the card has no late fees and no penalty APR12 |
|---|---|
| Mastercard ID Theft Protection | Free identity monitoring program offered by Mastercard; enrollment required1 |
| Citi Entertainment | Presale and special-access tickets to events1 |
Not listed for this card
The Citi pages and benefit terms we checked for the Simplicity do not list these benefits:
- Rental car coverage
- Trip cancellation and interruption
- Trip delay
- Baggage delay
- Lost or damaged luggage
- Travel accident insurance
- Emergency evacuation and medical
- Travel and emergency assistance
- Roadside assistance
- Cell phone protection
- Purchase protection
- Extended warranty
- Return protection
- Airport lounge access
- Global Entry or TSA PreCheck credit
- Hotel benefits program
Some benefits come from the card network rather than the bank and are not always advertised. Your own Guide to Benefits, or the number on the back of the card, is the final word on what your account covers.
Sources
- 1 Citi, Citi Simplicity Credit Card | Citi.com Checked Oct 10, 2026 · Back to text ↑
- 2
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