The Citi Simplicity is a personal credit card from Citi Simplicity. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is % - % after a % introductory rate for 18 months. Approval typically requires a credit score of Good (670+) or higher. Rewards: The Citi Simplicity ® Card does not earn rewards.. This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Citi enforces an 8/65/95 rule (max 1 card per 8 days, 2 cards per 65 days, no more than 1 business-card every 95 days). Sign-up bonuses on Citi cards are restricted to 48 months from your last bonus on that card family.. The most forgiving 0% intro card — perfect if you fear slip-ups or want maximum breathing room. Citi Double Cash Card. BT Fee: 3% or $5 minimum during intro; 5% or $5 minimum afterward. Post-intro APR: 18.24%–28.99% variable