Citi Simplicity

Cardholders are not responsible for unauthorized charges made on their account.

Live customer service representatives are available 24 hours a day, 365 days a year.

Your card includes a built-in contactless chip, letting you pay by tapping it on any contactless-enabled payment terminal. It's faster than inserting or swiping, and most transactions don't require a PIN or signature. Look for the contactless symbol at checkout.

The card can be added to digital wallets for fast, secure checkout online, in-app, and in-store.

Mastercard's ID Theft Protection program monitors personal information and alerts you to suspicious activity.

New cardholders pay 0% APR on purchases for the first 12 months from account opening. This gives you time to pay off a large buy without accruing interest. Once the intro period ends, a variable APR of 17.49%–28.24% applies based on your creditworthiness.

Balance transfers completed within the first 4 months of account opening carry a reduced fee of 3% (minimum $5). After that 4-month window, the fee increases to 5% (minimum $5) per transfer. This lower fee applies alongside the introductory 0% APR offer.

Automatic alerts notify cardholders about balance levels, payments due, and over-limit events via email or mobile.

Cardholders can choose their billing due date from available options at the beginning, middle, or end of the month.