Yes, you can have 2 Citi Simplicity® Cards. Citibank does not limit the number of credit cards you can get, so you can be approved for more than one Citi Simplicity Card, as long as you meet the credit and income requirements for each. Your annual income would have to support the total credit limit for both cards, for example, but getting a second Citi Simplicity Card might be worth it if you can get the low introductory APR offer twice.
Rules for Getting 2 Citi Simplicity Cards
- You can own multiple Citi Simplicity Cards at the same time.
- You reportedly must wait 8 days between Citi credit card applications for your request to be considered, and you can apply for no more than 2 cards every 66 days. Citibank has never officially confirmed these rules, though.
- Although not mentioned in the credit card terms, anecdotal evidence suggests you won't be eligible for the card's introductory APRs (0% for 21 months on balance transfers and 0% for 12 months on purchases) if you've recently received the offer. So it might be wise to space out your applications.
If you are looking for a 0% APR credit card but aren't likely to get a Citi Simplicity Card introductory APR offer for a while, there are plenty of other options available on the market. You can compare the best 0% APR credit cards on WalletHub.
This answer was first published on 10/19/21 and it was last updated on 01/08/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
FAQs
You can own multiple Citi Simplicity Cards at the same time. You reportedly must wait 8 days between Citi credit card applications for your request to be considered, and you can apply for no more than 2 cards every 66 days.
Can you have two Citi Simplicity cards? ›
Citi does not limit how many of its credit cards you can have, but it does limit the number of cards you can apply for (and be approved) within a specific period of time. For personal credit cards, you cannot apply for more than 1 Citi card every 8 days and no more than 2 within a 65-day window.
Can I have two Citi credit cards on one account? ›
If you have more than one credit card from Citibank, you can easily link all of your personal or business Citi accounts to the same online profile and manage them with a single login.
What is the highest credit limit on Citi Simplicity Card? ›
The Citi Simplicity® Card may give high credit limits to people with good-to-excellent credit, a lot of income, and relatively little debt. The minimum credit limit is $500, and some cardholders report having limits as high as $14,000.
Does Citi do a hard pull for second credit card? ›
When you apply for multiple credit cards in a short period, it can have a negative impact on your credit score. Each time you apply for a new credit card, the issuer will perform a hard inquiry. Hard inquiries can lower your score by a few points.
What are the disadvantages of Citi Simplicity Card? ›
Cons
- The card lacks long-term value since it doesn't include a rewards program or welcome offer.
- The intro APR for purchases doesn't last as long as it does for balance transfers.
- There's a 3 percent foreign transaction fee on purchases made outside of the U.S.
What is the credit limit for the Citi Simplicity® Card? According to Citi, the minimum credit limit for the Citi Simplicity® Card is $500.
What credit score do you need for Citi Simplicity? ›
The Citi Simplicity Card credit score requirement is 700 or higher. This means that you need at least good credit to get this card. It is also worth noting that you never can be 100% sure whether you'll be approved just by credit score alone.
What credit score do you need for Citi Simplicity Card? ›
The Citi Simplicity credit score requirement is good credit or better. That means a credit score of 700 or higher is needed to have good odds of getting approved for Citi Simplicity.
Which Citi credit card is the easiest to get? ›
If approved, a security deposit is required for the amount of your credit limit, between $200 - $2,500. Citi® Secured Mastercard® is an option for customers with little or no credit history and can help you build your credit when used responsibly.
You can have as many Citi cards as you want, as long as your credit and income are good enough to get approved for each. Citi does not limit the number of cards you can have, but it does limit the number of cards you can apply for (and be approved) within a specific period of time.
Is Citi simplicity hard to get? ›
Your Citi Simplicity Card approval odds are good if you have a credit score of 700+. That means you need good credit or better to have a shot at getting approved. Your approval odds for the Citi Simplicity Card will also be influenced by your annual income and existing debts.
Does Citi Simplicity increase credit limit? ›
The Citi Simplicity® Card will increase your credit limit no more than once every six months, generally.
What is the 8 65 rule for Citi credit cards? ›
What is the Citi 8/65 rule? Citi's 8/65 rule states that applicants are ineligible to apply for more than one Citi credit card in eight days, and not more than two credit cards in 65 days.
Will 2 credit cards build credit faster than 1? ›
Yes, assuming you use your cards responsibly. If you do, then having additional cards will generate consistent spending information for the credit bureaus each month, increasing your total credit limit and keeping your credit utilization rate low.
What is the 8 65 rule for Citi? ›
Personal Cards (8/65)
Based on this, I'd guess that a hard pull will be done for applications within 8 days. No more than 2 Citi applications within 65 days. The real rule is 60 days, but it's become common to wait 65 as a safeguard since Citi has been known to miscount.
How hard is it to get approved for Citi Simplicity Card? ›
Your Citi Simplicity Card approval odds are good if you have a credit score of 700+. That means you need good credit or better to have a shot at getting approved. Your approval odds for the Citi Simplicity Card will also be influenced by your annual income and existing debts.
Is Citi Simplicity a good credit card? ›
Is the Citi Simplicity a good credit card? The Citi Simplicity® Card is a good option for paying down debt without interest, but beyond the 0% introductory APR period, it may not provide much long-term value. After that period, you could explore switching your account to a different Citi card.
How do I increase my Citi Simplicity credit limit? ›
Call Citi to Request a Credit Limit Increase
You may call the number on the back of your card to contact a Citi customer service representative and request a credit limit increase. If you don't have the card handy, you may call 1-800-950-5114 for support in English or 1-800-947-9100 for support in Spanish.
