Consumer Reviews, Credit Score and Income Needed, Credit Limits
Credit Score Requirements and Lines For Citi Simplicity Card

Picture of Citi Simplicity® Card
18 Reviews
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Average Score:
667
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779
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Credit Score: 0 Credit Limit: 0 Age: 18-24
Posted 12/03 2014
Overall Rating:
 
Credit Score: 764 Credit Limit: 9000 Age: 35-44
Posted 10/23 2014
Overall Rating:
Actually got the card for the BT deal. I transferred about $4k out of my $9k CL. I have actually stopped using the card and am now using my Discover card with rewards (which this card unfortunately does not have). If you want to get this card, I think it is solely for the BT. If you PIF, reward cards are better. I also found out later that other cards like Chase, Discover also offer very attractive BT deals. So this is not the only BT card out there.
 
Credit Score: 596 Credit Limit: 500 Age: 18-24
Posted 10/14 2014
Overall Rating:
Am really new to credit. Had a discover student card for about a year. So to be honest, I was not that surprised that my CL was just $500. I think that after 2 years, I should be able to get that bumped up quite a bit?
 
Credit Score: 770 Credit Limit: 6500 Age: 25-34
Posted 10/14 2014
Overall Rating:
I got attracted to this card because they advertised that there was no late fee or penalty fee if you pay late. To be honest, that was never tested because so far, I have made all my payments on time. Got the 18 month BT deal, but only took advantage of it a little as I hardly carried a balance these days. I am actually quite disappointed now because there are no rewards with this card. So my advice is that this would work out great if you are looking to do a BT.
 
Credit Score: 736 Credit Limit: 7500 Age: 45-54
Posted 10/13 2014
Overall Rating:
My husband and I always carried a balance from month to month. We finally decided to be totally free from credit card debt and our aim was to pay in full every month. After a lot of research, we finally settled on Citi (though there were other great deals out there). The 0% 18 month deal helped us save quite a lot though after the BT, our credit utilization ratio for this card was rather higher as we transferred all our cc debt over to this one. The only thing you do have to watch out for is the APR after the 18 month period (though ours was 11.99% - not too bad).
 
Credit Score: 712 Credit Limit: 5000 Age: 25-34
Posted 10/13 2014
Overall Rating:
Score was low 700s and CL was 5k when I got approved. I really liked the 0% 18 month on BT deal and actually made use of it to pay off my other cc debt from another card. However, once I finished paying off that balance, the lack of rewards is making me search for another card with rewards instead. After doing some legwork, I found out that Discover also has a 0% 18 month BT deal but the card has rewards. I kind of regretted not getting the Discover.
 
Credit Score: 638 Credit Limit: 500 Age: 18-24
Posted 10/13 2014
Overall Rating:
OK. So I did not really have a credit history to start with. Maybe one over year. Started with a BOA secured card from the bank. I thought that perhaps I could get a $1000 CL. But I guess I cannot really complain given my score and new credit history. The only problem is that it is very difficult to keep a low utilization ration with such a line.
 
Credit Score: 765 Credit Limit: 8000 Age: 35-44
Posted 10/11 2014
Overall Rating:
I got this card simply for the balance transfer and was approved for $8k. Got an APR of 10.99%. I guess I'll use it until I pay of the BT and then perhaps apply again for a ThankYou rewards card.
 
Credit Score: 690 Credit Limit: 4000 Age: 25-34
Posted 10/11 2014
Overall Rating:
Got the offer in the mail and got approved. I got it for the BT and got a $4000 CL. For what it is, it is an OK card. But the rewards are really a joke with all the auction thing.
 
Credit Score: 656 Credit Limit: 1000 Age: 18-24
Posted 10/11 2014
Overall Rating:
Have a very short 3 year history and was approved for $1,000. It's not a high CL but since is my first Citi card, I guess I cannot complain. APR was 14.99%. I am looking forward to getting a CL increase in about a years' time. Let's see how it goes.
 
Credit Score: 723 Credit Limit: 6000 Age: 35-44
Posted 10/11 2014
Overall Rating:
I got this card initially to do a BT. But since I have paid it off, I use it primarily for my small business. I will soon be applying for a Chase Freedom. But in the meantime, the $6k CL works just fine for me.
 
Credit Score: 685 Credit Limit: 500 Age: 25-34
Posted 10/11 2014
Overall Rating:
I had 2 other cards like Discover and BOA. Had limits of $3k for each. But for this card, I only got a tiny $500 CL, which is really nothing. Aside from the great BT deal, there is nothing really in it. Think I might try one of those TY cards soon and hope they give me a better credit limit.
 
Credit Score: 692 Credit Limit: 3500 Age: 25-34
Posted 10/11 2014
Overall Rating:
I am in my late 20s. As a teenager in college, I ruined my credit because I was always late on my payments and at one point could not pay the minimum. I had to work very hard to repair my credit and was using a secured card as well as a "subprime" card with high fees. When my score reached the high 600s and close to 700, I decided to roll the dice and apply for this card. Got approved with a $3,500 CL. I was really happy about it. Needless to say, I junked and closed the "high fee" card. Glad not to be paying annual fees anymore.
 
Credit Score: 779 Credit Limit: 12500 Age: 45-54
Posted 10/11 2014
Overall Rating:
I was planning a long awaited vacation and splurge on a new computer as well. Got this card with a $12,500 CL, which was enough for me. I just intend to charge it, take advantage of the 0% and just pay it off. Score was 779 with TU when I got approved.
 
Credit Score: 637 Credit Limit: 500 Age: 18-24
Posted 10/11 2014
Overall Rating:
Prior to this card, I had a Cap One secured card. So with a kind of low 600 score, I got a $500 CL. It is not much, but better than the $300 CL I had with Cap One (which was deposited by me anyway). I really hope that in time, my CL will increase.
 
Credit Score: 714 Credit Limit: 3000 Age: 25-34
Posted 10/11 2014
Overall Rating:
I got this card to do a BT (18 Months is really great). Got approved for $3k CL, which I thought was on the low side. But it still worked out. There is no reward program though and so I will probably be switching to a rewards card once I paid off the BT.
 
Credit Score: 714 Credit Limit: 3000 Age: 25-34
Posted 10/11 2014
Overall Rating:
I got this card to do a BT (18 Months is really great). Got approved for $3k CL, which I thought was on the low side. But it still worked out. There is no reward program though and so I will probably be switching to a rewards card once I paid off the BT.
 
Credit Score: 743 Credit Limit: 5200 Age: 35-44
Posted 10/11 2014
Overall Rating:
I was attracted to this deal because of the BT (18 months). Got a $5,200 credit line and a 14.99 APR. I actually applied through snail mail and it took a good 3 weeks before I got approved. I thought my CL should have been higher but I had gotten 2 other cards the prior 6 months so perhaps that was the reason.