Invitation Code [Updated 2023]

Advertisements Invitation Code – This is a good card. Think about it if you get their offer letter. This card has 0% interest for some time on money moved from another card. It’s also okay if you pay late sometimes. This card helps save on extra fees. But other cards with the same money-moving options might give rewards. 


Want to apply without reading more? Go to: now and enter your invitation code. Invitation Code Invitation Code


The Citi Simplicity® Card* is a simple card with no yearly fee, great for moving money from another card during its special 0% interest time. But, it doesn’t give rewards. If you want to earn rewards, you’ll need a different card.


However, if you’re trying to manage debt, the Citi Simplicity card’s 0% interest on buys and money transfers can help. It can assist in breaking the cycle of small payments and growing interest, making it easier to handle debt.

Rates, Fees, and offers of Citi Love Simplicity Invitation Code Card

  • Annual fee: $0

  • Rewards rate: N/A

  • Bonus offer: None

  • Intro APR: 0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases

  • Ongoing APR: 

  1. APR: 19.24%-29.99% Variable APR
  2. Cash Advance APR: 29.99%, Variable
  • Balance transfer fee: 3% of each transfer (minimum $5) completed within the first 4 months of account opening, then 5% of each balance transfer; $5 minimum.

  • Foreign transaction fee: 3%


Important Details from Citibank:

  • Never has late fees, penalty rates, or yearly fees.
  • Gives 0% interest for 21 months when you move money from another card and 0% interest for 12 months on what you buy. After this, the interest is between 19.24% – 29.99% depending on your credit.
  • For moving money within the first 4 months, there’s a fee: the higher amount between $5 or 3% of the money moved.
  • Has a feature called Citi® Quick Lock for safety.

About Citi Simplicity® Card:

  • Helps with big buys or paying debts but might not be the best choice.
  • Has 0% interest for a time when you move money from another card. This is good for paying off debts.
  • Doesn’t give rewards. And there’s a fee to move money, which reduces your savings.
  • It’s good if you sometimes forget to pay because there are no extra fees. But always try to pay on time, as being late can hurt your credit score.

Citi Simplicity® Card: Benefits

The Citi Simplicity® Card has a long time where you pay 0% interest when you transfer money from another card. It’s 0% interest for 21 months for such transfers and 12 months for what you buy.

After that, the interest rate is between 19.24% and 29.99%. This card’s long 0% interest period is special and hard to find elsewhere. Also, if you pay late, this card won’t charge you extra or raise your interest.

Paying late is bad and can hurt your credit score with most cards, but this card is more forgiving. Yet, always try to pay on time. Another cool thing is you can pick when you want to make your payment, which can help if you’re short on cash at times.

Citi Simplicity® Card: Alternatives

  • For rewards: Chase Freedom Flex℠

The Chase Freedom Flex℠ card. It offers 0% interest for 15 months on purchases and balance transfers, but after that, the interest is between 20.49% and 29.24%. What’s special about this card is the cashback: you get 5% back on certain changing categories for up to $1,500 every three months (you need to activate this), 3% back when you eat out or buy from drugstores, and 5% back on travel if you book through Chase. For everything else, you get 1% back.

  • For a lengthy 0% intro APR period on new purchases: the Wells Fargo Reflect® Card

Check out the Wells Fargo Reflect® Card. There’s a 5% fee if you transfer money from another card (at least $5). But new users get 0% interest for 21 months on purchases and some balance transfers.

After this, the interest is 18.24%, 24.74%, or 29.99%. There’s no yearly fee. This card doesn’t forgive late payments like the Citi Simplicity® Card, and it doesn’t give rewards. But if you always pay on time, it could be good for you.

Citi Simplicity® Card: Pros & Cons


  • No late fees
  • No penalty APR
  • No annual fee
  • Intro APR offer on purchases and balance transfers


  • High regular APR
  • No rewards program

Citi Love Simplicity Invitation Code Login:

Retrieve Your Invitation Code:

  • Before you start, make sure you have the invitation code that Citi sent you, usually found in a promotional mailer or email.

Visit the Citi Love Simplicity Website:

  • Open your web browser.
  • Type in the website associated with the Citi Love Simplicity card. It’s often mentioned in the promotional material.

Locate the Invitation Code Login Section:

  • Once the page loads, there should be a section or prompt asking for the invitation code. It’s usually prominently displayed for new applicants.

Enter the Invitation Code:

  • Type in the invitation code you received from Citi in the provided field.

Click “Submit” or “Continue”:

After entering the code, click on the “Submit” or “Continue” button (the actual wording might vary).

Fill Out the Application Form:

  • You’ll likely be directed to an application form that asks for personal details, financial information, and other relevant details. Ensure you have this information on hand.
  • Fill out the form carefully, double-checking all entered details for accuracy.

Submit the Application:

  • Once you’ve filled out all necessary fields, click on the “Submit” or “Apply Now” button to send your application.

Wait for Confirmation:

  • After submitting, you should receive a confirmation message on the screen. Some banks might give an instant decision, while others might take some time.

Set Up Online Access (Optional):

  • If approved and once you receive your card, you can return to the Citi website to set up online access for your account. This will allow you to manage your account, view balances, make payments, etc.

Securely Store or Shred Your Invitation:

  • For security reasons, once you’ve used your invitation code, either store it securely or shred the physical mailer if it’s not needed.

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So now you know how to get invitation code so you can apply for a citi simplicity card online. If you still have any queries then do drop your queries in the comment section below.

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