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Citi Simplicity® Card: late fee & grace period

Checked against Citi’s own pages on October 26, 2026. 4 facts verified, 1 not confirmed.

Forgiveness score 7 of 11no feefirst-time forgivenesscard lockhelpful features
Late fee
No late fees (and no penalty rate).
Source: citi.com/credit-cards/citi-simplicity-credit-card
First late fee waived?
Not needed: the card has no late fees at all.
Source: citi.com/credit-cards/citi-simplicity-credit-card
Autopay
Not confirmed — we couldn’t verify this on an official page yet
Card lock / blocking
Citi® Quick Lock in the app blocks new charges while recurring payments keep going.
Source: citi.com/credit-cards/citi-simplicity-credit-card
ADHD-friendly features
Pick your payment due date (beginning, middle or end of month); automatic account alerts.
Source: citi.com/credit-cards/citi-simplicity-credit-card

Not applicable here: Grace period / breathing room, Overdraft fee, Can you turn overdraft off?.

“Not confirmed” means we couldn’t verify it on an official page, not that the feature doesn’t exist. Not financial advice: always check the source, since your own account terms may differ.

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