Balance Transfer card · Citi
Citi Simplicity
Citi Simplicity is the no-fee card for paying down a balance: no annual fee as of 2026 and no rewards program. Annual fee: No annual fee (as of 2026).
Card facts
| Issuer | Citi |
|---|---|
| Network | Mastercard |
| Type | Balance Transfer |
| Annual fee | No annual fee (as of 2026) |
| Rewards | No points or cash back program — this card is built for paying down a balance. |
| Interest rate | Variable — the issuer's official page lists the current rate. |
Every fact above is taken from the sources listed below; anything no source states is left blank rather than guessed. Annual fees and rewards change — every figure on this page carries its year, and the issuer's official page is always the current one.
Rewards, in plain words
No points or cash back program — this card is built for paying down a balance.
Who it is built for
Built for people carrying a balance they want to pay down.
Current details — visit the official Citi Simplicity page. Annual fees, rewards and interest rates change; the issuer's own page is always the current one.
More cards from Citi
Other cards from the same issuer in this library.
- Bloomingdale's Credit Card · Retail · No annual fee (as of 2026)
- Citi AAdvantage Business · Business · $95 (as of 2026)
- Citi AAdvantage Executive World Legend Mastercard · Airline · $595 (as of 2026)
- Citi AAdvantage MileUp · Airline · No annual fee (as of 2026)
- Citi AAdvantage Platinum Select · Airline · $99 (as of 2026)
- Citi Custom Cash · Cash Back · No annual fee (as of 2026)
More Balance Transfer cards
BankAmericard
No points or cash back program — this card is built for paying down a balance.
Chase Slate Edge
No points or cash back program — this card is built for paying down a balance.
Citi Diamond Preferred
No points or cash back program — this card is built for paying down a balance.
Navy Federal Platinum
No points or cash back program — this card is built for paying down a balance.
Frequently asked questions
What is the Citi Simplicity?
Citi Simplicity is the no-fee card for paying down a balance: no annual fee as of 2026 and no rewards program.
Does the Citi Simplicity have an annual fee?
No — the card has no annual fee (No annual fee (as of 2026)).
What rewards does the Citi Simplicity earn?
No points or cash back program — this card is built for paying down a balance.
Who issues the Citi Simplicity?
The Citi Simplicity is issued by Citi and runs on the Mastercard network.
Sources
- https://www.citi.com/credit-cards — Issuer's card list
- https://www.citi.com/credit-cards/citi-simplicity-credit-card — Issuer's official card page
Page last updated 14 November 2026.