Citi Simplicity Card
A Citi Mastercard card with no annual fee. Here's what it pays back after that fee for three spending profiles, simulated month by month. Terms verified Oct 5, 2026.
What it's worth
5 years, the welcome offer counted when the profile's own spending reaches it, rewards valued as cash. Merchant credits like Uber or DoorDash aren't counted for typed profiles.
| Profile | Year 1 | Then yearly | 5 years |
|---|---|---|---|
| Everyday spender About $2,000 a month, mostly groceries and errands, one trip a year. | −$6 | −$6 | −$30 |
| Balanced About $3,500 a month with a few trips a year and regular dining out. | −$45 | −$45 | −$225 |
| Frequent traveler About $5,000 a month, heavy on flights, hotels and restaurants, some trips abroad. | −$180 | −$180 | −$900 |
Your spending isn't one of our profiles. Drop in a year of statements and see where the Citi Simplicity ranks against every card we track. They're read on this device and never uploaded.
Terms
| Term | Citi Simplicity |
|---|---|
| Issuer and network | Citi, Mastercard |
| Annual fee | None |
| Requires | Nothing extra |
| Welcome offer | None |
| Earning | 0% on everything else |
| Rewards currency | Cash back |
| Statement credits | None |
| Lounges | None |
| Foreign transaction fee | 3% |
| Authorized users | No fee |
| Availability | Open to new applicants |
| Verified | Oct 5, 2026 |
Checked against the issuer's page. Dates and sources for each part.
Fine print
- Earns no rewards (Citi FAQ: 'does not earn rewards'). Base 0 and cashOutCents is a placeholder only.
- Intro APR: 0% for 18 months on both purchases and balance transfers from account opening. Balance transfers must be completed within 4 months. The intro BT fee is 3% ($5 min) within the first 4 months, then 5% ($5 min). This was shortened from the older 21-month BT / 12-month purchase offer.
- No late fees, no penalty APR, no annual fee. Cash advance APR 29.99%.
- They match NerdWallet (Sep 23, 2026).