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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