CitiStarter
•••• •••• •••• 7060

Citi Simplicity

Mastercard

Citi・Mastercard・No.083

A no-frills card built for one job: giving you nearly two years of interest-free time to pay down a balance.

🎁 No sign-up bonus; long 0% intro APR on purchases and balance transfers

Reward highlights

Who it's for

Best for people carrying debt who want a long runway to pay it off without fees or penalties.

Good for

Key benefits

Rates & fees

APR and fees are illustrative. Confirm current terms on the issuer's site.

Frequently asked questions

Does the Citi Simplicity have an annual fee?

No. There is no annual fee, ever.

Does it charge foreign transaction fees?

Yes, it charges a 3% foreign transaction fee, so it is not ideal abroad.

Who is this card for?

Best for people carrying debt who want a long interest-free runway; good credit (~670+) is generally recommended.

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