SwitchWizeFinancial Decisions, Made Clearer

Fine Print Bureau

Citi Simplicity Card

Verified 2026-11-08 against Citibank's own terms page.

What it costs

  • Annual fee: None
  • APR range: 17.74%–28.49%
  • Foreign transaction fee: not verified

What you get, and what you have to do to get it

  • $0 liability on unauthorized charges (other)
  • Access FICO ® Score (other)
  • Citi Entertainment ® (other)
  • Citi ® Flex Pay (monthly)
  • Mastercard ® ID Theft Protection (other)

Only benefits whose terms have cleared review are listed — a benefit the issuer advertises but that has not been verified here is omitted rather than repeated. Per-benefit values are not shown because the underlying field mixes dollars, miles, points and insurance limits without recording which.

Date verified and source

Verified 2026-11-08 directly against the issuer's published terms: View Citibank's official terms page

Every figure above traces to a source-evidence row reviewed against the issuer's own terms page — not an aggregator. See the Fine Print Bureau methodology.